Public adjusters provide a vital service to homeowners who live in areas frequently hit with natural disaster and severe weather. These public insurance adjusters are responsible for adjusting the amount of money paid to the homeowner during the insurance claim process to achieve the fairest payout possible in relation to the amount of damage done on the home.
Why is this important? Many insurance companies will often pay homeowners less than they should during claim payouts in an effort to save money. This leaves the homeowner with a claim that hasn’t helped them get the financial help they need to repair his or her home.
If your home has recently been damaged by floods, fires, wind or even theft or vandalism, it’s time to hire a public adjuster and see what he or she can do for your insurance claim. And to make sure you’re choosing the best possible public adjuster services in your area, be sure you hire a public adjuster who has these three things:
Licensing and credentials
All public adjusters must be licensed by the state in which they work in order to provide their services. If a public adjuster isn’t licensed to work in your home state, don’t hire him or her — and be sure to verify a public adjuster’s license number with your state’s Department of Insurance. Additionally, the ideal public adjuster will also have plenty of prior career experience, whether it’s as a contractor or an insurance agent. The more experienced one is, the more qualified he or she is to handle your claim.
The best public adjusters will provide a list of former customers who you can contact to get a glimpse into the quality of their services. These testimonials are one of the best ways to see whether or not the public adjuster will effectively adjust your claim or not.
Memberships with professional associations
There are a number of associations that public adjusters can join to prove their expertise and to continue their educations. Check to see if he or she is a member of either the NAPIA (National Association of Public Insurance Adjusters) or the AAPIA (American Association of Public Insurance Adjusters).
Have any other questions for us about seeking public adjuster services for flood damage or fire damage claims? Feel free to ask by leaving a comment below.