How a Public Insurance Adjuster Can Maximize Your Insurance Settlement


When dealing with an insurance claim, policyholders can need clarification about what needs fixing and what doesn’t. Insurers typically try to keep claim settlements low, which is why many policyholders hire a public adjuster to help. Public adjusters bargain with insurance providers to increase policyholders’ claim settlements.

They’re On Your Side

Your insurance provider will send an insurance adjuster to inspect your property and evaluate the damage after you submit an insurance claim. This is an insurance company employee who is on the payroll and acts in the insurance company’s best interests—not you. On the other hand, a public adjuster Hialeah FL works exclusively for you. They will review your policy, evaluate the damage, and help you get a settlement that reflects the full cost of your injuries. They can also help you document your belongings and spot damage the insurance adjuster may miss. And because they deal with these claims daily, they know how to negotiate for a fair settlement quickly. This can save you a lot of stress and headaches when you are already dealing with the aftermath of a disaster. It can even increase the value of your settlement. A study found that people with a public adjuster got 574% larger payments than those without one.

They’re Experienced

A public adjuster is licensed to represent the insured in appraising and negotiating a property insurance claim. They can help you work through the difficult and confusing insurance process and advocate for a fair settlement.

A good public adjuster will have a track record of success and positive reviews. They will also be a member of the National Association of Public Insurance Adjusters, which promotes standards for their business.

Choosing a public adjuster based on a referral from a friend is a great way to find a reliable one. A word-of-mouth recommendation is a solid way to gauge whether or not they will work hard for you.

Be sure to ask the public adjuster for references from previous clients. A reputable adjuster won’t hesitate to give you a list of names and phone numbers of people you can contact to inquire about their experiences. Getting a few good references will give you a better idea of how easy or difficult the adjuster is to work with.

They’re Licensed

It takes a lot of education and training to become a public adjuster. They also need to be licensed in the state where they work. Some choose to specialize in homeowner’s or commercial insurance claims, while others focus on one or the other. The more specialized an adjuster is, the more expertise they have. They may have degrees in fields like accounting or business administration. They may have spent time working for insurance companies before flipping to represent policyholders like you. Public adjusters typically do their work on a contingency basis, meaning they only get paid if they settle your claim. This incentive will motivate them to bring you the largest settlement possible. You may be confident that they will fight to ensure your claim is fully covered because they have a history of negotiating greater settlements and overturning denied claims.

They’re Professionals

A public adjuster is knowledgeable about insurance contracts. They also understand what to look for during a claim investigation and can make sure everything is noticed. They can even help you avoid giving answers that could hurt your claim. When it comes to filing a commercial or residential property damage insurance claim, it takes a lot of time and energy. There’s paperwork to complete, calls and emails to handle and negotiations back and forth. Public adjusters can help you level the playing field with your insurance company, allowing you to settle your claim more quickly. Insurance agents often try to hide that they’re not settling your claims properly. They may leave cranky voicemail messages or advise you to “read your policy.” Public adjusters can easily perceive coverage points that insurance agency representatives don’t. Their experience and determination to find every detail of your loss allow them to haggle with the insurance company for a proper settlement dexterously.

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