Why Hire a Public Adjuster to Manage Your Insurance Claim?
Shock, anxiety, depression, fear–property damage or loss evokes a world of emotions that can be difficult to overcome. That’s not to mention the utter disruption to your livelihood.
Your insurance provider is there to help you, but they are not in the business of handing out money. They know that most property owners don’t have the time, patience or knowledge to scrutinize a settlement. That’s where a public adjuster comes in to handle the legwork for you and ensure that you receive adequate funds to recover from your loss.
The benefits of hiring a public adjuster are:
- Expertise: Insurance comes with a lot of paperwork and fine print. A public adjuster can help you understand how your policy works, and can also guide you through the necessary steps to complete your claim.
- Time: Managing your claim can easily become a full-time job. Your public adjuster will spare you from hours of correspondence, documentation and review, so you can focus on regaining any sense of normalcy possible.
- Pace: The combination of expertise and availability makes a public adjuster more equipped to expedite the claim filing process. Insurance companies speak their own language, and if you don’t understand it, you might find yourself needing two or more attempts to complete each of their requests.
- Representation: Without an expert by your side, your insurer will have no reason to believe that you could and would challenge an unjust settlement. Hire a public adjuster to show that you are serious about your claim, and to assist with next steps if your claim is denied.
- Value: Lastly and most importantly, a public adjuster can recover a sum that truly helps you move forward. A study by the Office of Program and Policy Analysis & Government Accountability in the State of Florida showed that business and homeowner insurance settlements are 747% larger when a public adjuster is involved.
The benefits of hiring a public adjuster really strengthens during a catastrophic event when the insurance companies are handling a high volume of insurance claims within a short time span.
With such a high volume of claims many details are missed and oversights happen with nobody there to catch them. Often, insurance companies aren’t even using their own adjusters to handle the workload. Instead they hire 3rd party companies who then also hire 1099 Cat Adjusters to do the work. A public adjuster ensures you don’t get caught in this trap.
If your property has been damaged or destroyed by a fire, other peril, or catastrophic event, then you may want to consult a public adjuster. You can then assess some of the benefits of hiring a public adjuster first hand.
With Thanksgiving now over, we have the remaining holidays to look forward to. For the northerners reading this blog, you have a lot of SNOW and freezing weather ahead. Are you prepared?
As public adjusters, we know the colder months also cause a spike in tragic house fires, because people are staying indoors for activities like cooking and smoking, not to mention the increased usage of electrical items. However, a destructive or fatal fire can usually be prevented by taking a few precautionary measures.
According to the National Fire Protection Agency (NFPA), there were 501,500 structure fires causing 2,685 civilian deaths in 2015. Most of these occurred during the coldest months from October to March.
There are several things you can do to prevent this from happening to you. Some are free, and those that aren’t free are affordable. The biggest hurdle is simply doing them! As per the NFPA, here are 7 different areas that need to be addressed, with an accompanying tip for each:
- Smoke Alarms: There should be one smoke alarm on every level of the home, and one both inside and outside each sleeping area.
- Cooking Safety: Keep the cooking area free from items that can catch fire.
- Electrical & Appliance Safety: Do not run electrical cords under rugs.
- Candle Safety: Candles should be in sturdy, fire-proof containers that can’t easily be tipped over.
- Carbon Monoxide Alarms: Carbon monoxide alarms must be located on each level of the home.
- Smoking Safety: Ask family members who smoke to buy fire-safe cigarettes and smoke outside.
- Heating Safety: Be sure the chimney and furnace are cleaned and inspected yearly.
These tips will certainly get you started on the road to having peace of mind but if you want full confidence then check out this downloadable house fire prevention checklist. Included within the checklist are 20 more tips and a quick reference list for developing a home escape plan.
Why do more house fires occur and more people die from October through April?
Simple. It’s the holidays.
There is no other season where more people turn on their heat, cook meals indoors and invite friends and family into their homes. During the holidays these three things together cause more happiness and misery than any other time throughout the year. The biggest culprit among them all is Thanksgiving.
In fact, “Cooking fires in residential buildings occurred more often on Thanksgiving Day than any other day of the year.” – NFPA
Thousands of cooking fires are reported on Thanksgiving every year causing tragic and even fatal events with property damage soaring into the millions. According to G.I. Joe, “Knowing is half the battle”, so here are tips to help you avoid one of the greatest reasons for cooking fires across America on Thanksgiving Day.
4 Turkey Fryer Safety Tips:
- Turkey fryers often tip over.
- Too much oil will cause splashing onto the burner.
- Overly hot oil will ignite.
- A hot fryer can burn hands and cause accidental reactions.
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