When a disaster strikes, time is of the essence, literally. The first 48 hours are crucial. In some cases, you speak with your insurance company and they tell you a loss adjuster will be meeting with you to determine the damage. At this point, you think you are covered and are good to go. But are you?
Loss and disaster are overwhelming and you may have more questions than answers, but say the wrong thing to the policyholder and they may undervalue or deny your claim. When you are in the midst of everything you may not understand the importance and need of hiring your own public loss adjuster.
There are many reasons you want to consider hiring a public adjuster as you definitely do not want to feel regret when everything is finally settled and you have received a minimal payout and are still left covering repair costs out of pocket. Don’t have regret! Here’s why to work with a reputable insurance loss adjuster:
Is the Insurance Loss Adjuster Really on Your Side?
When you, the policyholder, make a claim with your insurance company the insurance company may then work with an independent claims partner or have their own adjusters on staff. While the loss adjuster may work for the insurance company directly, they oftentimes favor the insurance company.
While loss adjusters should be impartial, it is in their best interest to keep the settlement fees as low as possible. This ultimately results in a significant decrease in your settlement payout. Most of the time the money you receive from your insurance company will not even begin to cover the damage or the repairs to pre-loss condition.
Why You Should Hire A Public Loss Adjuster
For one, working with an adjuster is no cost to you. We’re paid out of the additional settlement we receive to help you repair to pre-loss condition.
Second, unlike insurance company adjusters, our public adjusters represent the best interests of the policyholder. As our client, we have your best interests in mind. The position of a public adjuster was actually created when it was realized by the state of Florida that the average homeowner and business owner were at an unfair disadvantage when it came to knowing their rights with insurance claims. When you lean on Liberty, we give balance to the system and can get you a fair settlement.
When you are dealing with a disaster or loss the last thing you need to be worrying about is navigating through the insurance system alone. Some of the many benefits of hiring a public adjuster are:
Time savings
Claims expertise
Faster resolutions
A trusted partner on your side
Fair value claim/higher settlement payout
It’s not too late. We can help at any step from start to finish even litigation or if a property claim has been previously denied. Submit a claim today!
Can’t I Just Use the Insurance Company’s Loss Adjuster?
You can, but on average a public insurance adjuster will negotiate 574% larger settlements for a home or business owner than they would get paid out on if they did their claim on their own. This is an astounding difference.
A loss specialist at Liberty Insurance Adjusters will:
read your insurance policy
make sure required paperwork is completed correctly
evaluate the damage & gather claim documentation
prepare their own estimate
negotiate with the insurance company’s adjuster on your behalf
That is a lot of time and knowledge you do not have to put forth when there are other pressing issues to worry about. Certain damages can be extensive and add more complexity to your claim as well.
We all know insurance companies want to offer a quick payout, and while they may seem like a good idea in the beginning since you probably have a lot of bills and repairs to handle financially, it tends to only lead to a reduced payout and regret.
Liberty Adjusters Is On Your Side
If you have suffered a loss or disaster and are contemplating whether you should consult with a public property loss adjuster, do not second-guess, contact a specialist.
At Liberty Adjusters, we seek to right the wrongs of insurance companies. No insurance company should attempt to represent two sides of a financial transaction.
When disaster strikes, contact Liberty Adjusters for your free evaluation. Our services cost you nothing unless we help you settle your claim. Call us at 813-922-5129 or submit a claim today.