TOP 10 REASONS TO HIRE A PUBLIC ADJUSTER

Many people do not know all the highlights of hiring a public adjuster. The best way to find out is to
hire one for yourself if you have an insurance claim. Hopefully, you do not suffer a loss, however,
statistically; everyone goes through a large loss at least once in their lifetime. Learning of the
benefits of a public adjuster beforehand may make your insurance claim experience that much
smoother. Who knows! Maybe after reading this, you’ll hire us before filing your claim.

  1. Greater Compensation
    Perhaps the biggest benefit of all for hiring a public insurance adjuster is that of greater
    compensation. In almost every instance, public adjusters have increased the insurance
    companies’ estimates. On average Cheryl Jones P.A., receives about 40% more for their clients
    than what the insurance company offers. A larger reimbursement can give you more freedom
    and options after the insurance claim has been settled.
  2. No Out of Pocket Expenses
    One of the biggest reasons for hiring a Public Adjuster is that there are no out-of-pocket
    expenses. All of the adjuster’s payment comes from an agreed-upon percentage of the final
    estimate. Furthermore, if you have received any sort of estimate from the insurance company,
    you can hire a public adjuster to work for the increase of the estimate. Then, they are only
    paid on the increase of the claim with no expenses of your own and nothing taken from the
    first estimates.
  3. Communication
    One of the hardest things about going through an insurance claim is being present and
    available for the insurance company. It can be very difficult as the typical insured has a
    full career to manage and a family. Luckily for you, a public adjuster is there to receive all
    communication from the insurance company, schedule, and attend meetings on the insured’s
    behalf. Usually, this takes the pressure, obligation, and emotion of the insurance process.
  4. Accelerated Insurance Process
    Depending on the claim, the entire insurance process can take several months to conclude.
    On average, public adjusters speed up the claims process by at least three months. Insurancecompanies are notorious for being slow in their dealings. Speeding up the process is doneby continuously contacting and urging the insurance company for updates, meetings, andpayments. This means that the money is in your pocket sooner, the stress of the ordeal is overfaster, and you can restart your life sooner.
  1. No Lost Expense for ALE
    Additional living expenses are sometimes the most underappreciated part of the insurance
    claim. ALE covers anything that alters your normal life and routine. Things such as a rental
    property expense, extra expenses for eating out, property maintenance, and mileage are
    all things that ALE covers. This coverage is vital to ensuring no out-of-pocket expenses.
    Furthermore, ALE is the cost incurred meaning you must show proof of spending before
    receiving reimbursement. Public adjusters typically handle this part for free which means
    no lost coverage from ALE, no heartache from organizing it and use in all areas for which
    reimbursement is needed.
  2. More Time for Your Own Life
    As mentioned above, an insurance claim takes time away from your daily life. Public adjusters
    handle every insurance claim dealing so that you can spend more time on your family and
    career. Without a public adjuster, you would be required to handle all communication and
    attend meetings with the insurance company or have them proceed with various parts of the
    claim process without representation. Having someone representing you puts your private
    life as a priority.
  3. Responsiveness
    In many instances, contacting the insurance company and its adjusters might be difficult and
    frustrating. You may want to receive updates on checks, results of meetings, and the general
    progress of the claim. Therefore, easily contacting your representative is simpler, faster, and
    more comfortable. At Cheryl Jones, P.A. we have had clients in the past that want to be more
    involved in the claims process, while we have had some clients who simply ask us to text them
    when we have a check for them. This responsiveness has been confirming for many of our
    clients in the past.
  4. Full Count Inventory
    Your policy states that you must provide a list of the damaged contents for compensation
    of your personal property along with prices for each item. Accumulating this list can be
    time-consuming and tedious. Documenting the entire contents of your home takes roughly
    32 hours, not including the pricing and aging of each item Public adjusters who work
    contents claims specialize in creating an inventory that will maximize your compensation
    quickly. This inventory process is the main way public adjusters increase your estimate so
    substantially.
  5. Connections to Other Vendors
    Public insurance adjusters work closely with many other companies and people related to
    the insurance realm. During the insurance claim, we can refer many companies’ including
    temporary housing accommodation companies, restoration companies, contractors,
    attorneys, insurance agents, etc. These are all valuable resources for you to use in and out of
    an insurance claim.
  6. Further free advice
    Lastly, the public insurance adjuster can offer free advice during and far after the conclusion
    of the insurance claim. Our advice can stretch from rebuilding your home vs. relocating your
    home to a second opinion when shopping for a new policy. Hiring a public adjuster opens the
    window to all kinds of professional help in regard to the insurance industry.

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Lindsay C.

We wish Cheryl could help us navigate all of life’s challenges! Having her handle our insurance claim was the best decision we made in the last year. There is absolutely no way we could have navigated the process, handled the paperwork, met with adjusters, and negotiated for fair reimbursement on our own. Cheryl is responsive, dependable, kind, knowledgeable, intelligent, determined, detail oriented and above all, trustworthy. She takes pride in her work and puts her clients first. –
 
Lindsay & Josh, Middle River, MD
 

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Alona C.

I used Safeguard Public Adjusting Service. Worked with Mrs. Jones who read through my policy thoroughly to make sure we receive coverages we were entitled to. She is very knowledgeable and Promptly keeping you informed. Because of her Expertise, our results were amazing. I highly recommend this company and will use it again.
 

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Lisa B.

Cheryl Jones assisted me with a claim I had for damage to my roof. State Farm would only approve $900.00 for the repair . I have $1,000.00 deductible so that means State Farm would give me nothing . With Cheryls help my roof, gutters and leaf guards replaced by State Farm insurance. She worked closely with the adjuster to obtain a fair settlement based on my policy coverage. During the course of the claim she met with both the company adjuster and my contractor to make sure everything was settled for me. Cheryl also communicated with me on a regular basis so I understood where my claim stood.

I would highly recommend the Safeguard Public adjusting.
Lisa B.