Public Adjusters for Insurance Disputes
As a homeowner, dealing with property damage can be stressful enough without the added complexity of an insurance dispute. While most insurance claims proceed smoothly, there are times when you might find yourself at odds with your insurance company. Today, we'll explore what to do when you're facing such a dispute, particularly focusing on the role of public adjusters.
Understanding Insurance Disputes
Insurance disputes often arise over what we in the industry call the "scope of work" - essentially, determining what damage is covered due to an act of God and what isn't. Let's break this down with a real-world example.
Recently, I was on a job where a property had suffered significant hail damage. The damage was evident - shingles were battered, gutters dented, and vents completely smashed. The process began as it usually does: the insurance company's field adjuster came out, assessed the damage, and agreed it was substantial. So far, so good.
However, the next step is where things often get complicated. The field adjuster's report goes to a desk adjuster, who acts as a gatekeeper for the insurance company's funds. In this case, the desk adjuster reviewed the report and concluded that the damage wasn't from hail but was instead due to ordinary wear and tear.
When to Consider a Public Adjuster
This is precisely the kind of situation where I recommend homeowners consider hiring a public adjuster. But what exactly is a public adjuster?
A public adjuster is a professional licensed by the state to represent the interests of the general public in insurance claims. Unlike the field and desk adjusters who work for the insurance company, a public adjuster works for you, the policyholder.
It's important to note that I don't recommend hiring a public adjuster for every insurance claim. In most cases, insurance companies strive to be fair. They might occasionally overlook details that a qualified roofer would catch, but they're usually willing to correct these oversights when brought to their attention.
However, there are instances when claims go sideways. Maybe the adjuster was having a bad day, or perhaps you're dealing with a subpar insurance company. Whatever the reason, when you find yourself in a significant dispute with your insurer, a public adjuster can be invaluable.
The Role of a Public Adjuster
A public adjuster brings several advantages to the table:
Expertise: They understand the intricacies of insurance policies and can interpret the fine print that might be confusing for the average homeowner.
Advocacy: They represent your interests, not the insurance company's, ensuring that you have a knowledgeable professional in your corner.
Thorough Assessment: They can provide a detailed, independent evaluation of the damage, which can be crucial if you're disputing the insurance company's assessment.
Negotiation Skills: They're experienced in negotiating with insurance companies and can often secure a fairer settlement.
Final Thoughts
While it's reassuring to know that most insurance claims are handled fairly, it's equally important to be prepared for those instances when disputes arise. By understanding your options, including the potential benefits of hiring a public adjuster, you can ensure that you're adequately equipped to navigate any challenges in the claims process.
Remember, the goal is always to receive fair treatment and appropriate compensation for legitimate damage to your property. Sometimes, having a licensed professional standing in your corner is the best way to achieve that goal.
