![]() As with all professionals, it’s important to check references carefully and hire someone you trust and feel comfortable working with. Smaller losses can be just as time-consuming as larger losses, so you want to make sure the person you hire isn’t going to sign you up then spend their time on larger losses and leave you hanging. Be extra careful checking references before hiring a public adjuster for a smaller dollar loss. Many of the most experienced public adjusters prefer to handle large dollar and commercial claims because they generate higher fees. The larger your claim, the easier it will be to find someone who fits that bill. Once you decide you want to hire claim help, the key is to find an experienced public adjuster with good references who will take you on as a client for a fair price. ![]() They will be assigned by your insurance company to work on your claim, but they are there as the insurance company’s representative… not yours. Company/staff and independent adjusters are hired and paid by and report only to insurance companies, not policyholders. There are two other types of adjusters: Company, or “staff” adjusters who are employed by your insurance company, and so-called “independent” adjusters who work only for insurance companies on a contract hiring basis. A public adjuster works only for policyholders, not insurers. A public adjuster is a claim help professional you can hire to represent you in documenting and negotiating your insurance claim. today, you can hire a licensed public adjuster on a “contingent” (percentage) fee basis who will take over handling your claim and negotiate a settlement on your behalf. If you are having problems with your insurer, or if your personal or professional situation is making it hard for you to deal with all the details, you can hire a claim help professional. Each person’s experience and situation is a little different, so when it comes to making the decision whether or not to hire a professional to take the insurance claim challenges off your plate, the only “right” choice is the one that works for your personal situation. Depending on your situation work commitments, health, car pool duty, an uncooperative insurer, etc., it may just not be practical to try. You may find that learning the lingo, doing the math and making sure your claim is being fully investigated and fairly paid is too much for you to handle on your own. After all, the insurance protection you paid for includes good claim service.īut insurance is big business, and you are not on a level playing field with a big insurance company. UP offers tips and tools to help you handle your claim on your own. On top of that, negotiating a fair claim settlement can be very challenging – especially after an emotionally devastating catastrophe. Listing, describing and valuing everything that was damaged or destroyed, meeting with adjusters, inspectors and contractors and reviewing reports and estimates is time-consuming and labor-intensive. The claim process involves legwork, paper work, math, insurance rules, and negotiation. Many people describe their experience with an insurance claim after a large loss as a full-time job.
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