1) Call a private adjuster before you file your claim.
Sometimes, if you wait and see what the insurance company is going to offer, it may be too late to present your claim in a way that meets your policy agreements. “My basement is flooded” could result in a denial for lack of “flood” insurance when the cause for flooding, presented correctly, could be covered under a standard home owners policy. A public adjuster will know how to communicate your loss and will know the state rules governing the insurer’s response. He works for you … not the insurance company.
2) A private adjuster will know your insurance policy and how it works.
Insurance policies are confusing and difficult to read and understand if you do not work with them, regularly. Public adjusters have detailed knowledge of most home and business policies and how they work. They will present their own estimates of damage to the insurance company, giving guidance from the very beginning of the process.
3) Concentrate on getting “back to normal”.
Having a public adjuster working for you allows you to focus on getting your family or business back to normal and take away the often tedious and anxious process of settling your claim to make needed repairs. While you are attending to matters necessary to restore your home or your business, you public adjuster is focused on your claim without the same distractions that would be interfering with your efforts to do the same.
4) There are no up front or “out-of-pocket” costs.
You can afford a Public Adjuster. You do not pay a public adjuster until you have been paid by your insurer. Fees for public adjusters may vary and are higher (around 10%) for the smaller claims of up to $250,000 and will generally decrease for recovery of amounts greater than that.
5) Even after your claim has been closed, a public adjuster can help you recover a fair settlement.
After you have settled with your insurance company and find that the amount of your recovery was less than what you needed — or may have been entitled to — to properly address your loss, a public adjuster may be able to reopen your claim and obtain additional recovery.
In Missouri, contact me at 314-803-2167 or email me at firstname.lastname@example.org . There is no charge to call and see if I can help you.