4 Tips for Hiring an Insurance Claims Adjuster

When you experience property loss or damage, you will find yourself in a position where you would need an insurance claim. However, the filling of insurance can be burdensome and can also raise your insurance rate. In this case, you need to look for an insurance claims adjuster to help assist you with the claim.

Here are a few expert tips for hiring a public claims adjuster

Licensing

All legitimate public adjusters are licensed and certified. However, each state has its own rules and regulations. Some states may have specific licensing boards, while other states do not. When you hire an insurance adjuster, make sure that you check whether the adjuster has a valid license in your state or not.

Association Memberships

There are many public adjuster associations in the United States. Some of them include the National Association of Public Insurance Adjusters (NAPIA), as well as many state level and local public insurance adjuster member associations. Although in most cases membership is not required, however, a public adjuster who is a member of national, state, or local public adjuster associations might be more committed to the profession than someone who is not.

Experience

Experience is one important factor that you need to consider when you hire an independent insurance claims adjuster. However, not all experience is equal. An adjuster may have ten years of experience dealing with business damage insurance claims, but may not be the right choice for your home’s flood damage insurance claim. The best way to ensure that you are hiring the right public adjuster is to find someone that fits your requirements.

Charges reasonable fees

Make sure that you do not hire any adjuster who charges higher fees on smaller claims. Some public adjuster's fees range between 5 percent to 12 percent, and the average is around 10 percent. When you plan to hire an insurance adjuster, make sure that you do at the earliest. Some adjusters ten to charge more when hired midway through the claim process.

Make sure that you get what you owed, and hire an insurance claims adjuster to fulfill your needs.

Tactics Insurance Companies May Use to Unfairly Handle Claims

When we buy an insurance policy, we are signing an agreement with our insurance provider that states that the insurance company is legally required to cover certain damages when they take place under certain conditions. Unfortunately, insurance companies don’t always work in your (policyholder) best interest’ and may use tactics to unfairly handle claims. If you have recently suffered a loss that was covered by a policy and not happy with the settlement amount offered by your insurance provider, you can hire an independent insurance claims adjuster who can assist you in providing a fair settlement. Here are some of the tactics sometimes used by insurance providers to unfairly handle claims-

• Negligence of the policyholder - The insurer may argue that the policyholder was knowingly engaged in risky behavior or was negligent. If the insurance company is able to establish the assumption of the risk defense, the policyholder might not be able to recover any damages.
  
• Limiting Liability- Insurance companies often try to limit the amount of money they have to pay to the policyholder filing for a claim. A commonly followed approach is to minimize the extent of injuries. Companies seek evidence that can show that the accident was not that severe, so that their liability gets limited.
  
• Confusing policyholder with policy language - Many times, insurers may try to confuse policyholders with policy language to avoid having to compensate them. They may cite to an exclusion which limits their obligations towards the policyholder.

Do not hesitate to challenge the assessment of your claim by a company adjuster.  Public claims adjusters are there to protect from bad behavior by insurance companies.

Get in touch with an insurance claims adjuster today to discuss your case and ensure a fair settlement.

4 Reasons to Hire a Property Insurance Claims Adjuster

Homeowners, businesses or condominium complexes experiencing property damage can be very stressed due to the major property loss. It can have a major loss on their normal day to day operation in business and disrupt their personal life at home. During the loss, even the most well-off families or efficient business can struggle because of the burdens and requirements imposed on them. Commercial property owners, corporate executives, and even homeowners do not have the expertise or knowledge to prepare for the claim. Mostly, they are not able to tackle the case owing to the lack of time. If you are one of them, an experienced property insurance claims adjuster can be of help. Here's how.

1. Saving time:

Most of the times, businesses and homeowners have more priorities than taking care of the incessant demands for documents by the insurance company. An independent insurance claims adjuster will manage and organize your claim to help reduce the time required to deal with claim issues.

2. Faster resolution of claim:

Insurance claims adjusters know how to organize the claim and deal with the paperwork. They also know the proper language that can help to communicate with the insurance career. They can help to do repairs relatively faster and expedite claims.

3. Claims expertise:

Insurance documents can be highly complex. If you are not well versed with them, you can end up misinterpreting them. Having the support of someone who is familiar with the knowledge can help to settle the claim much efficiently. They can also guide you on the proper procedures and documenting expenses.

4. Protect your rights:

In catastrophic situations where your claim is denied, having an expert adjuster can help you get an advantage. They can act as a third party resource who can act like a witness for a fair recovery of claim, just in case an aggressive action is required.

So, what are you waiting for? Hire an insurance claims adjuster and ease your worries.

Get Your Claim Faster with Independent Insurance Claim Adjusters

“An insurance claim is going to take time, as it requires great attention to detail and involves many parties. Contrary to popular belief, a check isn’t cut overnight”

                                                                                                                                          - Anonymous

Insurance companies do not leave any stoned unturned in trying to convince you to take an insurance cover. In the process, they make several promises on how they will be helping you out in case of damage or mishap. But, to be very honest, there are also times when you find it really hard to get your claim. This is where the role of insurance claims adjusters becomes so crucial. If you are a policyholder and want to get your claim fast, contact a "reputable independent insurance claims adjuster" today.

Claim adjusters are professionals and they guide you throughout the process. They have served hundreds of policyholders in the past and it’s time for you to make use of their services. Getting the claim requires you to do various legal formalities and documentation, that can be confusing and time-consuming at the same time. This is why it is better to hire a professional for the same and avoid the hassles. Whether it is fire, theft, vandalism, tornado, earthquake, or business insurance, you are covered. 

Hire an independent insurance claims adjuster to save your time and money. Send your inquiry today!