“Why would I hire a public adjuster for an insurance claim when I can handle it myself?”
Have you asked yourself the same question? It’s a common question we’re asked here at JF Public Adjusters, and quite frankly, it’s a fair one.
In this article, we’re going to be discussing the various benefits of hiring a public insurance adjuster versus going against the insurance companies yourself.
Here’s the deal, navigating the insurance claim process can be challenging and muddy even when you’re familiar with the insurance industry. Let alone if you’re someone who’s experiencing their first foray into the insurance claim arena.
The problem is, although it can often appear or seem as though the insurance provider is trying to assist you, in reality, they’re doing what is in their best interest.
The unfortunate thing is this means they’re doing everything to ultimately decrease, lessen, or eliminate the need to process your settlement payment.
A Public Insurance Adjuster is your secret weapon in these complicated situations relating to insurance. Not only do they work on your behalf, their compensation is directly related to the settlement amount they’re able to help you receive.
That means a public adjuster only gets paid if YOU get paid, so their success is tied to your success, which is what makes it such a powerful and beneficial relationship.
So with that in mind, let’s look at some top benefits of hiring a public adjuster.
So, without any further ado, let’s look at:
The 9 Benefits of Hiring a Public Adjuster.
Benefit #1 – Understanding the Insurance Policy Language
The insurance providers know their business well, and probably their greatest weapon is the insurance policy agreement. Often, due to a lack of understanding of the agreement’s clauses, a policyholder can find themselves ineligible because of minor mistakes. That’s why understanding “Insurance Policy Language” is so important.
Based on this point alone, I’m sure you can see some benefits of having a public adjuster in your corner.
Your public adjuster will work on your behalf in a situation like this, analyzing the property damage, dive deeply into reviewing your insurance policy, and making sure every “i” is dotted and “t’s crossed, so your claim is processed quickly, smoothly, and for the maximum allowable amount.
Remember: Public Insurance Adjusters are independent insurance experts themselves, who deal with the policy providers on a daily basis, so they know how to handle and navigate every aspect of the insurance claim and settlement process.
Benefit #2 – You Get Experience On Your Side
There’s an old adage that goes like this…
When a man with money meets a man with experience, almost always the man with experience leaves with the money, and the man with money leaves with the experience.
Don’t let this happen to you!
Public adjusters regularly deal with the insurance claims, understand the tricks of the trade, and understand how to maximize their business’ profitability (and that means paying out the least amount to the policyholders.)
Your qualified public insurance adjuster allows you to level the playing field and punch up a weight class by utilizing their independent expertise and experience.
Benefit #3 – Estimating the Damage
Are you qualified to estimate property damage yourself? Do you trust the insurance estimators to do it for you?
You’d be surprised to know that the public adjusters are incredibly knowledgeable and experienced when it comes to preparing detailed reports of damage.
This report plays a vital role in determining the success of your insurance claim. Again, another important reason to have an expert in the insurance field is working on your behalf.
Benefit #4 – Save your Time
Applying for a claim isn’t just limited to submitting the information. There are several other aspects involved. For instance, you need to take photographs of the damaged area to show as evidence. Similarly, you’ll need to share information about the reported damages. The insurance company may request documents and details regularly.
Put simply, this process requires a lot of time and effort. You’re likely busy in your day-to-day life. So let me ask you – do you have time to handle all of this.
Again, a public adjuster takes care of these elements on your behalf so you may continue your regular daily routine being interrupted or bothered by the cumbersome insurance claim process.
Benefit #5 – Work With Licensed Professionals
In most states, public adjusters can only provide their services if fully trained and certified. Training and certification are certainly required for NY Public Adjusters, NJ Public Adjusters, and those in Pennsylvania.
They also must maintain and stay current with these certifications. So, when hiring a public adjuster, you can appreciate a level of comfort knowing that knowledgeable professionals are managing the claim.
Benefit #6 – They Represent the Policyholder
The insurance company may ask you to work with their adjuster to submit the claim. This is certainly not something we’d recommend. Why? Because in reality, whether they’re receiving kickbacks or commissions or some other benefit, they’re working in the insurance company’s best interest.
You could liken it to working with the other side’s lawyer in a divorce or personal injury.
On the other hand, the public adjuster represents the policyholder throughout the process.
Benefit #7 – Faster Resolution
The public adjuster should leave no stones unturned when processing an insurance claim. Here’s the thing: They’re incredibly familiar with the entire process of filing a claim, allowing them to process it and complete it in a fraction of the time it would take someone else unfamiliar with the process.
Moreover, this is what they do; it’s their full time profession. So when compared to a policyholder trying to process the claim during any free time they have, it should be no surprise that those who work with a public adjuster typically see a resolution in a fraction of the time compared to those who don’t.
Benefit #8 – No Upfront Cost
When you’re hiring a public adjuster, you won’t have to pay them a single penny upfront. Who doesn’t love a deal like that?
The public adjuster bears all the expenses on his own unless the claim is completed and settled. After the settlement, they will get a specific percentage of the claim based on your initial agreement.
Benefit #9 – Fair Claim Value
The public adjusters always go above and beyond the limits to ensure you get the maximum amount you’re entitled to.
In fact, statistics show those who work with a public adjuster, on average, see close to 3x the claim amount compared to those who don’t. In fact, you can see an exact statistic on the JF Public Adjuster homepage.
A public adjuster is a licensed professional who can help file an appropriate claim for your property’s damage, and the benefits of hiring a public adjuster are endless. They represent you with a high degree of specialized insurance industry knowledge and expertise, completely removing this complicated and stressful process from your plate.
To get an even great understanding of a Public Adjuster, you might be interested in reading our article entitled – What Is a Public Insurance Adjuster.
If you have a question and you’d like to speak to the experts here at JF Public Adjusters NY and NJ, we invite you to click the button below to contact us today.
What Is a Public Insurance Adjuster – And Why You Should Hire One for Your Insurance Claim?
In this article, we will be answering the questions – What Is a Public Insurance Adjuster and why you should hire one for your insurance claim?
I don’t think it’s a secret to anyone that the insurance industry is complicated, to say the least, especially if you’re someone who, for the most part, is unfamiliar with the industry.
So if you’re filing a claim and the extent of your knowledge relating to the insurance industry is paying your automotive, property, or life insurance policy each month – pay close attention.
This is something we see all too often here at JF Public Adjusters.
Why? Because it’s this lack of experience which allows insurance companies to have a dramatic advantage over the typical policyholder throughout the insurance claim and settlement process.
It shouldn’t be a surprise that the insurance company that holds your policy is a business whose primary objective is to deliver profits to the owners and shareholders.
And… The lower the settlement amount or payout, the higher their business profits.
This means your insurance provider’s success is tied to how effectively they can reduce each policy settlement payout… or even avoid paying it entirely.
It’s literally their job to figure out ways of how NOT to pay out insurance settlements – And believe me, they’re good at it.
This is precisely WHY YOU NEED A PUBLIC ADJUSTER.
So What Exactly Is a Public Adjuster?
A Public Adjuster (Very different from a typical “Insurance Adjuster”) is an independent insurance professional who works on behalf of the policyholder.
It is their job to ensure your insurance company cannot succeed in taking advantage of the fact you as the policyholder may be unfamiliar or inexperienced with how the settlement process works.
A Public Insurance adjuster is essentially your hired gun. An independent insurance expert, whose job it is to fight on your behalf.
But most importantly, the role of a Public Insurance Adjusters is to ensure you receive the insurance payout you’re owed and entitled to.
A Public Insurance Adjuster Helps You Navigate The Murky Waters of the Insurance Industry
Insurance policies are meant to cover you against any risks of potential loss.
They can cover your life and others’ lives, your vehicle, your home, your business, and any other risks that you perceive.
You likely know if you’re buying insurance, the process begins with you and the insurance company coming to an agreement about what they’re willing to insure the potential risk for, and what you’re willing to pay as a premium for them to insure that risk.
This agreement is your “policy.” – Pretty simple right?
Well, insurance IS simple. At least until your need to submit a claim.
Insurance is very easy when you’re paying the insurance company, but when they may need to potentially pay you, well, that’s when things get a bit more complicated.
At this stage, a mutually agreeable insurance settlement needs to be reached between you and your insurer.
This is the part where they’re going to begin exploring every opportunity for them to avoid paying you your rightfully owed settlement amount.
Depending on the type of insurance, your insurer might provide you with the “complementary” services of an in-house …or… one of their trusted external “insurance or field adjusters.”
This adjuster works on behalf of your insurance company to get the claim handled quickly, quietly and inexpensively for the insurance company.
This is also coincidentally where a Public Insurance Adjuster can really be of assistance to you.
They work on your behalf to see your settlement is not only fair, but it’s the full amount you’re legally entitled to.
How a Public Adjuster is Paid?
A Public Adjuster isn’t paid up front, but rather a percentage of the settlement payout, which is agreed up before hiring them.
The fee percentage they charge may be a standard rate or based on the case’s complexity.
Considering they won’t make any money if you don’t receive a settlement payout from your insurance company, it’s in the Public Adjusters’ best interest to work as hard as possible to get you the absolute highest settlement amount.
How Hiring a Public Adjuster Can Help You
A Public Adjuster works for YOU and lends their experience and expertise for compensation based on the result or outcome they’re able to achieve for you.
Government Statistics states:
“Policyholders who used public adjusters received an estimated $9,379 on their claim, compared to $1,391 for those policyholders that did not use a public adjuster, a difference of 574%.”
– Office of Program Policy Analysis and Government Accountability
Here are some of the reasons hiring a public insurance adjuster is a wise decision if you’re about to begin the insurance claim process.
3 Reasons Why You Should Hire Public Insurance Adjuster?
1 – They Understand Insurance Policies
Understanding the mechanics of insurance claims and how to handle them is considered a complicated process.
Here’s the deal: One of the best assets you can have at your disposal is EXPERIENCE when processing an insurance claim.
That means working with somebody who hasn’t only been through it before, but who deals with insurance policies and claims daily.
Public insurance adjusters are independent experts you can hire who’ll lend their years of experience to you.
They’ll know exactly how your claims have to be filed, the evaluation process, and whether any supplemental claims are possible.
Put simply – this isn’t their first time.
2 – They Remove The Stress of You Personally Handle the Claim
The process of submitting a claim after completing an evaluation can be quite exhaustive, to say the least.
The claims process is extremely detail-oriented and requires information on every part of the property that has been damaged, the cost of replacement, and so much more.
This can be quite daunting for policyholders and is best left to insurance professionals like an independent public adjuster.
Also, the claims process can be an extremely time-consuming process for someone who isn’t familiar with how it works.
This can lead to enormous stress, anxiety, and overwhelms for the policyholder who’s trying to do it themselves.
3 – Accurate Claim Filing
Filing a claim through a public insurance adjuster is also a safeguard to ensure the claim is accurate, detailed and of a value that will cover ALL the incurred losses.
Insurance companies never pay more than the claimed amount, even when their own evaluation may justify a higher amount.
A public adjuster will justify higher amounts and present all the necessary documentation to ensure you’re paid what you’re entitled to.
What To Look For When Choosing a Public Adjuster
If you’re searching online for “Public Adjuster Near Me.“ here are some things to consider.
Public insurance adjusters have to be licensed to work in the state where the loss has occurred and is, according to the insurer, covered by the policy.
Before you hire an adjuster, make sure that they are licensed to do the work and check up on their records and performance.
Take you time to check them out online, read their reviews, both the good and the bad, and see what their client experiences are like.
Don’t be afraid to ask the Public Adjuster you’re considering for references you can speak to.
Hiring the “right” Public Adjuster can literally mean a difference of thousands of dollars, tens of thousands, or even more, in the amount of money being paid back to you for your claim.
So hire carefully, because a qualified insurance adjuster can be a game-changer for you as a policyholder.
Are You Looking for a Public Insurance Adjuster
If you want to have the upper hand on the negotiation table, keep in mind that an insurance adjuster, aside from their professional expertise, often has a significant financial interest in bringing the case to a favourable outcome for you.
The insurance adjuster will be the best person to assist you and provide an independent, honest, fair, and unbiased estimate based on damage and losses you may have experienced.
If you’re about to file an insurance claim, I highly recommend you find a qualified public adjuster in your area to at least consult with, and get an expert opinion.
Are you close to us here at JF Public Adjuster?
When you do, we’ll schedule you in for a claim assessment and onsite survey to ensure you get compensated for your what you’re owed.
Have a question about the Insurance Claim Process and How a Public Adjuster could help you? Be sure to leave your question in the comments section below.
Welcome to JF Public Adjusters - We provide honest and meticulous insurance declare assessments. As a result of when catastrophe strikes, your insurance protection is the security web that secures your future recovery. A public adjuster is a licensed and educated specialist that adjusts and recovers insurance claims for damage losses to homeowners, industrial property owners and businesses. Public adjusters work solely for the policyholder and not for the insurance coverage company.
A public adjuster is a licensed specialist who is educated in navigating the panorama of insurance claims and who works with the home-owner, industrial property proprietor, or businesses to adjust and get better insurance claims for injury and losses they’ve been impacted by. A Public Adjuster works solely for YOU the policyholder and NOT for the insurance coverage agency.
Licensed in New York and New Jersey, and educated by the foremost consultants in the discipline; you don’t must go any additional to seek out the expertise and dedication you require.You’ll admire my honesty and my direct communication style; I imply what I say, and I say what I imply - in the shortest approach possible. (There’s no time to be lost after we’re coping with loss…)
I take issues personally - in a great way. It signifies that I care deeply - about you, your property, and your ultimate means to recuperate from this loss. And I’ll do the whole lot in my energy to ease and expedite the Public Adjuster Near Me recovery process for you. Coping with an insurance claim process resulting from property damage or loss can be time-consuming, incredibly irritating, and very challenging. This is much more so in the event you’re unfamiliar with navigating the insurance industry’s murky waters and insurance claim process as a whole.
Nevertheless, working with an unbiased, experienced NY public insurance coverage adjuster who handles the claims process in your behalf can make it a seamless, easy and stress-free experience.At JF Public Adjusters in New York, we’re an skilled staff of insurance coverage professionals who go to bat for you.
From dealing with the insurance coverage company, dealing with the paperwork, navigating the claims process and preventing for you to ensure you get compensated the quantity you’re entitled to and deserve.Nevertheless, you may be asking yourself…
As a policyholder, it's your proper to receives a commission the compensation your coverage states you’re entitled to.Nonetheless, insurance coverage corporations can make this difficult for policyholders who have no experience and don’t understand the insurance coverage claim process.When you rent the highest-rated New York public insurance coverage adjusters, you’re partnering with a staff of experienced insurance coverage professionals who will struggle for you.We hold the insurance companies accountable, expedite the settlement time-frame, and advocate in your behalf to get you the settlement payout you’re entitled to.
The insurance company will do all the pieces in their energy to minimize their payout to impacted policyholders by capitalizing on the coverage holders lack of experience. Whenever you hire JF Public Adjusters, we struggle for you and make sure the insurance coverage company meets their obligations and makes the proper payments.
Whether it’s residential or commercial, whether it’s hearth damage, water injury, flood, theft or one thing else, If you work with JF Public Adjusters, you’re working with seasoned professionals who are preventing in opposition to insurance coverage companies on behalf of the policyholder.At JF Public Adjusters, we help out shoppers to receive what they deserve all through all the insurance claim process for his or her broken property.
No matter what your state of affairs is, working with a JF Public Adjusters means you’ve bought an experienced professional who’s going to bat from you, and who is going to make sure you get all the pieces you deserve. Are you searching the web for "public adjuster NY?" If you happen to answered "Yes," you're in the excellent place. At JF Public Adjuster in NY, we are the main New York Public Adjusters and insurance coverage policy declare assistance team.
At JF Public Adjusters, we're known as the leading Public Adjuster currently working in New York City & New Jersey. If you're looking for a hassle-free Public Adjuster experience, give us a call at 917-272-8793 or visit https://jfpublicadjusters.com/ .. Get in touch with #1 rated Public Adjuster in New York City & New Jersey now!