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.
- 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. - 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. - 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. - 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.
- 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. - 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. - 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. - 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. - 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. - 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.
