5 Reasons to Hire an Expert Public Adjuster in Hobe Sound, FL

Some people may think that hiring an expert public adjuster is just a waste of money. After all, doesn’t the insurance company send out an adjuster to assess the damage and provide a reasonable settlement? Not necessarily. In an ideal world, the insurance company would be on your side. In fact, they should, because you are paying the insurer a hefty premium to cover damages when life doesn’t go according to plan. However, insurance companies are not in the business of losing money. As a result, the payout is often lower than you deserve. For this reason, and many more, it’s recommended that you hire a public adjuster at the beginning of the claims process. 

In this article, we will share five reasons why you should hire an expert adjuster from our team if you live in Hobe Sound, FL, or the surrounding areas. 

We Can Maximize Your Settlement 

As the most obvious benefit, we’re putting this at the top of the list. It is the most important reason to hire a public adjuster. In almost every claim, the property owner must pay a deductible. However, the out-of-pocket costs are significantly lower when the compensation is greater. It is a well-known fact that when people work with a public adjuster, the insurer increases the settlement amount. 

They Don’t Work for the Insurance Company 

As you may know, your insurance company will send out an insurance adjuster to assess the damage and come up with a value for your loss. Unfortunately, policyholders can’t always rely on the validity of an insurance adjuster. You may think they have your best interest at heart (and sometimes they do), but they work for the insurance company, not you. In turn, they will look out for the interests of their employer more than the policyholder. Because insurance companies want to protect their profits, they hate making large payouts. As a result, the initial settlement you receive will be the lowest settlement. 

A public adjuster, on the other hand, doesn’t work for the insurer, they work on your behalf. They have no reason to devalue your claim amount because it doesn’t suit your best interest or theirs. Additionally, if the insurance company comes back with a low settlement, the public adjuster has the expertise to negotiate a higher amount. 

Filing a Claim is a Full-Time Job 

If you have never filed a claim in the past, you will soon realize that it’s labor intensive and can often feel like a second job. You must work with the insurance company and the adjuster, being available at all hours of the day to ensure the claim progresses quickly and smoothly. However, you may not be available at all hours of the day. When you hire a public adjuster, they’re always around to communicate with the insurance company on your behalf. 

The Process Goes by Faster 

Nobody wants to deal with the insurance company longer than is necessary. Unfortunately, if you file a claim on your own, it can take several months to complete. The insurance company likes to drag the process out, looking for loopholes to reduce your settlement. When you work with a PA, they’re wise to the tactics of insurance companies, and their experience dealing with such companies will guarantee that the process goes by quicker than if you went at it alone.

Comprehensive Inventory of Damaged Property

One of the steps in the insurance claims process is to make a list of all the damaged and destroyed property/personal items in your home or commercial property. You must then attribute a value for each item. Documenting your loss is a time-consuming process with ample opportunity for errors. Public adjusters have years of experience creating an inventory and can make sure this step goes by quickly and accurately. 

Contact Alpha Public Insurance Adjusters 

When you need help filing a claim in Hobe Sound, FL, contact the team at Alpha Public Insurance Adjusters. Recovering from a disaster is not only time-consuming but also emotionally taxing. Mistakes can easily be made along the way, which can result in a reduced settlement. Don’t let this happen to you. Call (888) 442-5742 for a free consultation.