A public adjuster is an insurance claims adjuster who can be directly hired by policy holders to help them through the process of filing an insurance claim. One of the main reasons that many people hire a public adjuster of their own is because of the simple fact that the public adjuster is working for them, not the insurance company.
A public adjuster is a very qualified professional with many years of experience in handling insurance claims. In most cases, private adjusters once worked for the insurance companies, so they have the same education and training to handle and process insurance claims. A private adjuster will also have more claims experience that the insurance agent.
The biggest advantage that you have when you hire a public adjuster is that this person is chosen to represent you and your case. As a private adjuster, they do not have to protect the profits and losses of the insurance company, because they work solely for the policyholder – and that is you!
The Duties of a Public Adjuster Are:
- To determine what damage is applicable and covered, as it relates to the policy terms.
- To evaluate the policy holder’s insurance coverage that corresponds with the damage.
- To do meticulous research and make reports of the damage.
- To present the damage in an itemized way, within the insurance terms and language.
- To determine the value of all of the personal and property loss, taking as much time as is required to survey all damages.
- To negotiate a proper and full settlement with the insurance company for the policy holder.
A Private Adjuster’s duties are to inspect, report and negotiate for you. Their job is to find and document all covered damages. By hiring a public adjuster, you can reduce the stress of handling the claim yourself, and get it completed faster with the help of an experienced public adjuster working for you.
“One of the main reasons that many people hire a public adjuster of their own is because of the simple fact that the public adjuster is working for them, not the insurance company.”
If you choose NOT to hire your own private adjuster, you can always use who the insurance company sends over, and whatever adjuster they assign to your claim. This adjuster will not have a vested interest in your claim, and will have a large case load to manage from the insurance company that they work for.
A public claims adjuster will take more time, go to more effort, do more research and invest hours of calculations, to arrive at a very precise claim amount. It’s no surprise that a public adjuster’s figure of the damages will be much higher than the insurance company adjuster!
If you want to rebuild your home and make it as good as new, or better, use a New Jersey public adjuster. Call Advocate Claims for a no obligation consultation.
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Advocate Claims Public Adjusters is serving all areas of Bergen County, Cape May, Ocean City, Sea Isle City, Hudson County, Hoboken County, Monmouth County, Manaquan, Brick township,Lavallete Borough,Long Beach Township,Toms River, Jersey City, Stone Harbor, Seaside Heights, Upper township and Wildwood areas.