Top 6 Reasons to Hire a Public Adjuster for Your Total Loss Insurance Claim

 

Many experts recommend hiring a public adjuster for larger insurance claims – including total loss insurance claims.

Hiring a public adjuster can increase payout, speed up the claim, and ensure you receive every penny of compensation you deserve – all while representing your best interests in whether to rebuild or repair the property.

Keep reading to discover the top 6 reasons to hire a public adjuster for a total loss insurance claim.

1.      Potential to Increase Payout: Public adjusters could increase payout by 2x, 3x, or more over your insurer’s initial offer. Public adjusters know the tricks insurers use to deny or reduce claims, and they know how to provide supporting evidence to maximize every aspect of your claim. A good public adjuster uses proven strategies to increase your payout. On a total loss insurance claim, an increase of just 5% to 20% could mean tens of thousands more dollars in your pocket. An increase of 100% to 200% could be lifechanging.

2.      Speed Up the Claim: Generally, hiring a public adjuster can speed up the insurance claim payout, helping you move forward with your life faster than you normally would. Instead of waiting months in a hotel while the insurer drags its feet over your destroyed home, you can get the resolution you need as soon as possible.

3.      Handle All Insurance Paperwork & Hassle: Public adjusters organize documentation, gather supporting evidence, take photos and videos, and ensure your insurer cannot refute your claim. They handle all insurance paperwork and hassle, letting you focus on your life. Total loss insurance claims are already difficult and stressful. You don’t need added insurance company-related stress.

4.      Negotiate on Your Behalf: Public adjusters negotiate with your insurance company on your behalf, using proven strategies to obtain a higher settlement. Many homeowners aren’t insurance negotiation experts, which makes it difficult to argue with someone who is an expert. When you hire a public adjuster, you’re getting someone to expertly negotiate with your best interests.

5.      Fight for Your Best Interests: In a total loss insurance claim, you may need to decide whether to repair or rebuild your home. Your insurer will push for the cheapest option, as it’s in their best interest. You may want a different option. A public adjuster knows how to argue for the best option in your favor, helping you achieve an optimal outcome to your total loss claim.

6.      They’re Ideal for Total Loss Claims Because of the High Value Involved: Generally, public adjusters work on insurance claims where the disputed amount is over $10,000. Because they work on contingency, public adjusters are more interested in higher-value claims. This makes public adjusters a perfect fit for total loss insurance claims. 

For all of these reasons and more, a public adjuster may be the right choice for your total loss insurance claim. Request a free consultation with a public adjuster today.