When a homeowner gets hit by a catastrophic event, they’re going to want to do everything in their power to get back to normal life as soon as possible – this is where they are at their most vulnerable, and insurance companies know this. In almost every case, they will exploit the homeowner’s grief and stress in order to secure themselves the best deal.
This is where public adjusters come in; public adjusters typically deal with property damage from fires, explosions, tornadoes, floods, or earthquakes. Unfortunately, most policyholders don’t know what a public adjuster is and often will assume that the work done by their insurance adjuster is done on their behalf, which is not the case. (It is also highly important that any one you consider partnering with should be certified by the state and in addition to being a member of NAPIA, otherwise known as the National Association of Public Insurance Adjusters.)
The difference between the two is a public adjuster works for you, the policyholder, and fights for you on your behalf, representing you in your insurance claims for purposes of obtaining the maximum compensation possible for your losses. Without an advocate, it’s the victim against their insurance company’s adjuster, and it’s unlikely that any offers of compensation will be anywhere near full, fair, and satisfactory.
Controlling the Claim
After a claim arises, one of two scenarios can develop. Either you allow your insurance company to control the claim, or you control it by retaining your own public adjuster. It’s the objective of any insurance company to pay out as little as possible on any claim, so claimants are in need of their own adjuster who can thoroughly and and effectively present their loss to their insurance company. Your licensed public adjuster will take control of your claim for you: they assess the damage, gather evidence, study your insurance policy, and help you get the compensation that you genuinely deserve based on your rights as an insurance policyholder. They can handle the entire process of filing and managing your claim with your insurance agency on your behalf.
The Extent of the Loss
Once the claim has been controlled, a disaster victim must compile full and complete documentation of all damage after a loss. A sound foundation accurately establishing the extent of the loss is critical for obtaining a final maximum settlement, as negotiation comes next.
The last thing anyone wants is the headache of negotiating with their insurance company. It is long, arduous, and exhausting. Our team at Strategic Claim Consultants steps into that role, representing you to ensure you receive the settlement you deserve.
Don’t believe your insurance company if it tells you that you don’t need a Georgia public adjuster. Strategic Claims Consultants, led by CEO Brandon Lewis, is based in Atlanta, and we’re ready to be on site anywhere in Georgia within 24 hours or less. Let us ease the burden of recovering from a devastating loss – no one should go through it alone, and we want to come alongside you and help you through it. Each of our professionals is an expert in their field. Call us right away after a loss at 844-701-9995 to speak with a Georgia public adjuster.