“When is the best time to hire a Public Adjuster?” 

If you have an insurance claim for your home or business, and are familiar with the concept of a public adjuster, you may be asking yourself this question. Rest assured that you are not the only one with this problem – this questions is one that many homeowners and business owners ask, especially as the claims process begins. In this article, we will address this question. 

When to hire a Public Adjuster?

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. You should always have a Public Adjuster on speed dial to represent you in the case of a catastrophic event. Also, we highly recommend having a Public Adjuster be familiar with your policy coverages so you can evaluate the best way to fully protect your business, your assets, and your family in the wake of a disaster. 

Many policyholders use Public Adjusters for big large-loss claims but that isn’t always the case and many of our clients are local business and homeowners. If you have a large loss or catastrophic claim, you should contact a public adjuster sooner in the claims process because these matters are extremely time sensitive and can greatly impact the outcome of your claim. If you need a reputable Public Adjuster, look no further than our team at Strategic Claim Consultants. We are headquartered in Atlanta, Georgia and have offices in Texas, Florida, North Carolina, Nevada, and New York. As our reach continues to grow and we expand into new territories across the United States, we commit to maintain the level of service, prestige, and expertise you’ve come to depend on through our claim advocacy.


Are there risks involved when working with a Public Adjuster?

As a policyholder, you have minimal risk when working with a public adjusting firm because they will assess the property loss at no cost. By performing this assessment, the severity of property damage is determined along with deciding if an insurance claim should be filed. If a policyholder is confident that the total value of their property loss is significant, we recommend consulting with an expert to get a second opinion. Public adjusters frequently visit a home or business and determine that the estimated loss value is less than it should be. NAPIA certified public adjusters are experts in their field, and it’s uncommon that they will exclude estimated costs that a policyholder may leave out of their estimate. For example, if a tornado damages a roof, a homeowner may miscalculate the price of a new roofing system. By doing this, the homeowner may forget to include the cost of removing the damaged roof. A specific, detailed claim is essential when submitting a request to the insurance company. Without the help of a public adjusting firm, most homeowners insurance companies will not voluntarily pay out more than the amount claimed. Insurance policyholders should be intentional with the amount requested, and hiring a public adjusting firm can help guarantee this. 


What Happens If I Choose Not To Work With a Public Adjuster?

You run the risk of not receiving the maximum payout amount for your settlement by choosing to file an insurance claim without the help of a public adjuster. We recommend consulting with an expert, experienced public adjusting firm like Strategic Claim Consultants led by Brandon Lewis. If you have questions about your claim, Strategic Claim Consultants are here to help. Schedule a consultation by visiting strategicclaimconsultants.com/contact-us/

You can only receive what is in your policy. Get a FREE policy review BEFORE a catastrophy.