Even though home insurance is supposed to protect you from natural disasters and other accidents, it can sometimes leave you high and dry when you're at your most vulnerable. You might wonder, “How can this be?”
The important thing you need to understand about insurance is that it is a business, not unlike a clothing store or restaurant; and the main priority of any business is to make money. So, how does an insurance company make its money?
One sneaky way is by paying customers who file a claim less than they are entitled to. You might think, “Who would let that happen to them?” The truth is that plenty of people do, and not because they want to but because they don't know any better.
The insurance claims process can be a long and complicated one. There is so much to keep track of, not to mention the dozens of phone calls that have to be made. Combine that hassle with the fact that you've just been displaced from your home, and you can see how easy it is to inadvertently allow the insurance company to get one over on you.
However, homeowners are not completely powerless when it comes time to file a claim. Public adjusters are professionals who work in the same industry as the insurance companies. What's the difference between them and the guys who work for the insurance companies? Public adjusters work for you, the homeowner.
At this point, you might be wondering, “Do I need a public adjuster to help me deal with the insurance company or is this something I can handle on my own?” To answer this question, you have to ask yourself a few others:
- Do you have the time to devote hours upon hours to the claims process?
- Do you have a family to take care after a disaster?
- Do you still have work and other responsibilities to look after?
Once you start thinking about all the things you'll have to handle after a flood, fire or other disaster, the question “do I need a public adjuster?” will quickly turn into “where can I find one?
Among other things, public adjusters will handle the arduous process of talking and negotiating with your insurance company. As they know how these companies work, they won't be pushed around, and they definitely won't fall for any of their gimmicks.
The result is that you are awarded all of the money that you are entitled to so that you may rebuild your home and your life.
While it's not a requirement that you hire a public adjuster when filing an insurance claim, it's definitely a good idea to take advantage of their expert services. Not only will you reduce your stress levels, you'll ensure that you and your family receive a fair judgment from the insurance company. Remember, this is the money that is going to put a new roof over your family's head, so it's not something that you should take lightly.
Among other things, do I need a public adjuster will handle the arduous process of talking and negotiating with your insurance company. As they know how these companies work, they won’t be pushed around, and they definitely won’t fall for any of their gimmicks.