Business Strategies

If you suffer a loss, you likely can’t afford to pay for the damage yourself. By hiring an insurance adjuster, you may save hundreds, if not thousands, of dollars in time and trouble paid to the insurance company. Sometimes, you may be able to save even thousands of dollars in the process. If you experience multiple losses in your home, and the insurance company does not provide loss settlement assistance, you can be in a pickle. If you don’t have the personnel to look at many claims, and if you don’t deal with many claims, your insurance company may have already paid for all the damage that was done, and if so, you’re out of money and you need someone to help you get your life back together.

Public Adjusters help you save money. If your home is damaged or destroyed, your homeowners insurance company is supposed to reimburse you for your loss. Usually, your insurance company will pay you a lump sum of money to rebuild your home. Public Adjusters will evaluate the claims, and help you assess the costs of repairing the building yourself, in order to maximize the settlement of your claim. Public Adjusters are usually independent contractors who work for the client, so their hourly fees will vary with the size and complexity of the work. Their work may require them to inspect numerous insurance claims, or they may not inspect any claims at all. A Public Adjuster will often bill their hourly fees as “service” and will bill the client for each hour. This helps ensure that the estimate paid by the Public Adjuster will be completed as quickly as possible to get you back in your home and into your life as quickly as possible.

In some cases, the Public Adjuster will be acting on your instructions. In other cases, the Public Adjuster will act for you. In any event, Public Adjusters are not employees of your homeowners insurance company.

In either situation, you have hired a Professional to work for you. That is the difference between hiring an Insurance Adjuster and hiring a Public Adjuster. Your insurance company will pay the Public Adjuster based on the value of the loss, plus a fee. The Public Adjuster will bill his or her hourly fee as “service” which helps establish his or her value in your life, as quickly as possible. Public Adjusters need to know a lot about the property in which they work, both in the physical building and the location and condition of the property outside of the property. This allows the Public Adjuster to make an accurate appraisal of the property loss in order to maximize your claim.

The Public Adjuster’s hours and value of work may include certain duties that should be assigned to the property owner. These duties may include work on the home, exterior, neighbors, or personal property. This gives you a clear picture of your property, so you can know what the Public Adjuster should estimate. Public Adjusters will generally work on your instructions, so there is no need to have them act on your instructions. Typically, if you want a Public Adjuster to act for you, you must give your written instructions, and they must follow them to the letter.

Some policies, when you give your written instructions to the Public Adjuster, designate what they are to do. This helps the Public Adjuster to estimate the value of your loss. Other policies, after you give your instructions, the policy automatically assigns duties to the Public Adjuster based on their qualifications. This has the disadvantage of the Public Adjuster having to act on your instructions and have to meet your deadlines. However, it usually works better. There are policies that allow you to assign duties to the Public Adjuster, but if you are a “Public Nun” you will not be able to assign duties.