Public Insurance Adjusters are the ones that help you get a good payout when your house is hit by a storm or hurricane or other major event such as a fire. Typically, after being hit by a storm, you are often confronted by an insurance claim adjuster who is nothing but the insurance company’s front man. They do not have the homeowner’s best interests at heart and will only play by the rules set by the insurance company. They listen to the insurance company first as they are employed by the insurance company.
Interestingly, you as a homeowner do not always call the shots when your house is hit by a storm; you might have little knowledge of the claim and its contents. So if you hire a public adjuster, you can be sure that s/he will understand the home insurance policy and will work to spot the finer nuances of the policy.
Normally, you’ll be informed by the insurance adjuster that your policy does not cover some faults… simply because they are not covered by the policy. They will also point out singular omissions and how certain losses do not add up in the policy. The insurance company is in the business to make money and not listen to all the whims and fancies of the homeowner, for whom there is a public insurance adjuster on call.
The public adjuster’s responsibility is to look at each word in your policy and to be very exhaustive, providing careful insight.
Many public adjusters have previously worked on behalf of insurance companies. The best public adjusters come from a background in insurance agency claims disposal. These experts have worked for insurance agencies for quite a long time before choosing to work for “the other side” — you!
Your insurance paperwork is loaded with legal and confusing language written in legal parlance. Most homeowners aren’t able to completely comprehend these papers and associate them to their claim, but Public Insurance Adjusters can.