Your Claim, Your Advocate: Public Adjusters Fight for What You Deserve

When disaster strikes and property damage occurs, navigating the complexities of an insurance claim can be overwhelming. This is where public adjusters come into play. These professionals advocate for policyholders, ensuring they receive the maximum compensation they deserve. In this comprehensive guide, we will explore the crucial role of public adjusters, their benefits, and how to choose the right one to fight for your claim.

Understanding Public Adjusters

Public adjusters are licensed professionals who work on behalf of policyholders to help them navigate the insurance claims process. Unlike insurance company adjusters, who represent the insurer’s interests, public adjusters advocate for the policyholder, ensuring their rights are protected and their claims are accurately assessed.

Roles and Responsibilities

Public adjusters perform a variety of tasks to ensure the policyholder’s claim is handled efficiently and fairly:

• Damage Assessment: Public adjusters thoroughly inspect the property to document and assess the extent of the damage.
• Claim Preparation: They compile detailed reports and documentation to support the insurance claim.
• Negotiation: Public adjusters negotiate with the insurance company on behalf of the policyholder to secure a fair settlement.
• Claim Management: They manage the entire claims process, from filing to resolution, to ensure timely and accurate handling.

Benefits of Hiring a Public Adjuster

Hiring a public adjuster can provide several advantages, particularly in complex or significant claims:

Expertise and Knowledge

Public adjusters possess in-depth knowledge of insurance policies, coverage, and claims processes. This expertise ensures that all aspects of the claim are thoroughly documented and presented, maximizing the potential for a favorable outcome.

Accurate Damage Assessment

Public adjusters are trained to identify and document all damage, including hidden or less obvious issues that insurance company adjusters may overlook. This comprehensive assessment ensures that the claim accurately reflects the full extent of the damage.

Time Savings

Handling an insurance claim can be time-consuming and stressful. Public adjusters take on the burden of managing the claim, allowing policyholders to focus on recovery and other vital matters.

Higher Settlements

Studies have shown that policyholders who hire public adjusters typically receive higher settlements than those who handle claims independently. Public adjusters’ negotiation skills and thorough documentation often result in more favorable compensation.

Advocacy and Support

Having a public adjuster on your side provides peace of mind. They advocate for your interests and ensure that your rights are protected throughout the claims process.

How to Choose the Right Public Adjuster

Selecting the right public adjuster is crucial to ensuring a successful claim outcome. Here are some tips to help you choose a reputable and effective public adjuster:

Verify Credentials

Ensure the public adjuster is licensed and in good standing in your state. You can check with your state’s insurance department to verify their credentials and any disciplinary actions.

Experience and Expertise

Look for a public adjuster with experience handling claims similar to yours. Ask about their track record and success rate in securing favorable client settlements.

References and Reviews

Ask for references from previous clients and read online reviews to gauge the public adjuster’s reputation and quality of service. Positive feedback and satisfied clients are indicators of a trustworthy adjuster.

Fee Structure

Public adjusters typically work on a contingency fee basis, meaning they receive a percentage of the settlement amount. Ensure you understand their fee structure and any additional costs before hiring them. Be wary of adjusters who demand upfront fees.

Professional Affiliations

Membership in professional organizations, such as the National Association of Public Insurance Adjusters (NAPIA), can indicate a commitment to ethical standards and ongoing education.

The Claims Process with a Public Adjuster

Working with a public adjuster involves several steps, each designed to ensure a thorough and fair claims process:

Initial Consultation

The process begins with an initial consultation, where the public adjuster assesses the damage, reviews your insurance policy, and explains the claims process.

Damage Documentation

The public adjuster conducts a detailed inspection of the property, documenting all damage through photos, videos, and written reports. They may also engage experts, such as engineers or contractors, to provide additional assessments.

Claim Preparation

The public adjuster prepares a comprehensive claim package using the collected documentation, including estimates, reports, and supporting evidence.

Filing the Claim

The public adjuster files the claim with the insurance company, ensuring all required documentation is submitted accurately and promptly.

Negotiation

The public adjuster negotiates with the insurance company on your behalf, addressing any arising disputes or discrepancies. Their goal is to secure the maximum settlement possible.

Settlement and Resolution

Once a settlement is reached, the public adjuster will review the terms with you to ensure they meet your needs. They also assist with any additional steps required to finalize the claim.

Conclusion

A public adjuster can be an invaluable ally when dealing with property damage and insurance claims. Their expertise, advocacy, and commitment to your best interests ensure you receive the compensation you deserve. Choosing a reputable and experienced public adjuster allows you to navigate the claims process with confidence and peace of mind.

Founded in Newark, NJ in 1924 by Emmanuel Sarasohn, Sarasohn Public Adjusters is now owned & operated by Industry Leader Stephen Sarasohn alongside his sons: Bernard and Nathan. In the years since its founding, Sarasohn & Company has expanded to 10 states and 1 U.S. territory serving noteworthy clients of all sizes.