If you have property damage and you’re wondering how a public adjuster can help, read on. In this article, we will review what a public adjuster does for you and how much more they could get you for your damaged property.
What is a public adjuster?
Public adjusters work on your behalf to recover a fair amount from the insurance company for your property damage. A public adjuster is a professional insurance claim expert who knows the ins-and-outs of estimating damage and who knows how to work with insurance companies to submit and resolve claims. When you have an insurance claim, your insurance company will send out their own adjuster to assess and price the damage. They work for the insurance company. A public insurance adjuster, on the other hand, works for you and in your best interest. For example, the six-point service process that Core Public Adjusters delivers includes:
- Assessing and documenting your damage, accurately, and as quickly as possible.
- Submitting to your insurance company a comprehensive damage portfolio including a formal demand for payment.
- Always reviewing offers made by the insurance company with you and never accepting offers from the insurance company that you do not agree to.
- Communicating with you proactively on the status of your case so you are never left wondering what is happening and what is left to do.
- Negotiating aggressively, but professionally, with smart and strategic communication approaches with your insurance company.
- Aiming to get you paid as much as possible, as quickly as possible.
Point six above, aiming to get you paid as much as possible, as quickly as possible, brings us to answering the question we started with, how much more could a public adjuster get you for your claim?
How much more could a public adjuster get you for your damaged property?
How much more a public adjuster could get you for your insurance claim depends on a number of factors. A few of these factors include:
- How fair the insurance company was in your handling your claim – sometimes, insurance providers will unfairly deny claims and pay you nothing for your property damage.
- Whether the insurance company valued your damage properly – insurance providers may mistake expensive and upgraded baseboards and upgraded finishes for typical ones when assessing costs to replace them.
- If the insurance company found all of your damage – Insurance providers may not take the time to uncover all of the potential damage lurking behind walls or behind furniture. You may not even be aware of all of the damage.
Based on our own experience, and in reviewing the experience of other public adjusters, you may be able to recover substantially more for your claim. Here are a few examples:
AC Leaks Causing Water Damage
| Insurance Company Paid | More Recovered by Public Adjuster |
| $2,250 | $5,350 |
| $8,661 | $16,000 |
| $9,021 | $17,710 |
Hurricane Damage
| Insurance Company Paid | More Recovered by Public Adjuster |
| $131,223 | $87,881 |
| $13,321 | $150,000 |
| $65,106 | $237,114 |
Roof Damage
| Insurance Company Paid | More Recovered by Public Adjuster |
| $2,590 | $16,500 |
| $1,503 | $53,000 |
| $2,300 | $11,000 |
Again, how much more a public adjuster could get for your claim depends on a number of factors, such as those previously listed in this article. Every property damage claim is different. If you would like expert public adjuster representation, call us for a free consultation. We will review your case and let you know how we can help.
