Those living in Orlando, Florida know that harsh weather, thunderstorms, and high winds can easily cause immense damage to property. Here’s what you need to know if you find yourself needing to file a claim with your insurance company.
When you face damage (or theft) to your home, business, car, or any property chances are you’ll need to make an insurance claim. The insurance adjuster will then be assigned to assess the damage (or loss) to help estimate compensation.
Filing insurance claims can be a real hassle, and depending on the circumstances your insurance rates may increase for the future. If you are a policyholder, you may decide to pay the deductible as opposed to taking the entire cost onto yourself. The vast majority of people in similar circumstances contact their insurance agent and then provide the necessary information. With an insurance adjuster assigned to the claim in question the work can begin.
The three types of claims adjusters
During the claims process, the individual you will likely have the most contact with will be whomever your insurance claims adjuster is. There are primarily three different types of insurance claims adjusters, a company adjuster, an independent adjuster, and a public insurance adjuster. The public insurance adjuster is an independent claims adjuster hired by the policyholder who is filing the claim. An independent adjuster is a contractor that handles the claim in question on behalf of the insurance company. A company adjuster is employed directly by the insurance company and is the person most people who file an insurance claim will have to deal with.
Why do people hire a public adjuster?
While the insurance company can (and will quite happily) provide the policyholder with a claims adjuster there are a few risks.
First and foremost, you can rest assured that a public insurance adjuster will have the policyholder’s best interest in mind. While there are additional fees, hiring a public claims adjuster can save you money in the long run. Moreover, even if your claim was denied or not favorable, it may not be too late. Claims can often be reopened, and by hiring a public insurance adjuster, you can try again and attempt to get a settlement that is more favorable to you.
Why should I hire a public insurance adjuster?
If you have suffered a considerable loss, you want someone who is going to fight on your behalf. Often people feel like the company insurance adjuster is unwilling to communicate with them properly, this makes the process incredibly difficult and frustrating for the policyholder. Lastly, many policyholders in the past felt like their claim was not reviewed properly, and as a result, they did not receive the settlement they deserved. A public insurance adjuster will eliminate all of those worries because their sole purpose is to work for your behalf.
If you live in Orlando Florida and require a quality claims adjuster that will fight for you, then look no farther than Claims Pro USA!