What is a Public Adjuster?
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Public Adjusters and Insurance Claims
Simply put, a public adjuster works as an advocate for an insured homeowner.
When damage occurs, such as from flooding or subsequent mold infestation, the homeowner must call their insurance company and report the claim. Then the insurance company will send an adjuster representing the company to the home to investigate the loss and, if deemed necessary, offer the homeowner a settlement.
Keep in mind that the adjuster works directly for your insurance company. The company insurance ajuster does everything they can to try and pay out as little as possible for your claim, preserving the company's bottom line. That's thier job.
Even an 'Independent adjuster' is only independent in name only. Independent adjusters are contractors who are paid for by the insurance companies. The bottom line is that they represent thier employers, and like the company adjuster, they have only the insurance company's interests at stake.
When damage occurs, such as from flooding or subsequent mold infestation, the homeowner must call their insurance company and report the claim. Then the insurance company will send an adjuster representing the company to the home to investigate the loss and, if deemed necessary, offer the homeowner a settlement.
Keep in mind that the adjuster works directly for your insurance company. The company insurance ajuster does everything they can to try and pay out as little as possible for your claim, preserving the company's bottom line. That's thier job.
Even an 'Independent adjuster' is only independent in name only. Independent adjusters are contractors who are paid for by the insurance companies. The bottom line is that they represent thier employers, and like the company adjuster, they have only the insurance company's interests at stake.
A public adjuster should be brought in immediately in the event of a loss.
Why is a Public Adjuster Different?
When you suffer a property loss, you need an adjuster who works for you. As a policyholder, you should have equal representation. Bringing in a public adjuster early in the process to handle the matter can provide you a better opportunity at a fair settlement for their losses.
A public adjuster should be brought in immediately in the event of a loss. A public adjuster works directly for you, the policy owner. Many homeowners hire a public adjuster to document, expedite a claim, and engage the insurance company directly on behalf of the policy owner. Through a public insurance adjuster, the insured can often recover a higher settlement than they would otherwise have been awarded, allowing for a faster and more complete restoration of the damage.
A public adjuster should be brought in immediately in the event of a loss. A public adjuster works directly for you, the policy owner. Many homeowners hire a public adjuster to document, expedite a claim, and engage the insurance company directly on behalf of the policy owner. Through a public insurance adjuster, the insured can often recover a higher settlement than they would otherwise have been awarded, allowing for a faster and more complete restoration of the damage.
What Services Does a Public Adjuster Perform?
A public insurance adjuster typically performs the following services:
- Evaluating existing insurance policies to determine applicable claim coverage.
- Research and report on the overall damage.
- Determine the values for covered losses.
- Negotiating settlements with the insurance company on behalf of the insured.
- Recommending future improvements on the insured's policy.
- Re-opening claims if discrepancies are discovered after the claim is settled.
- Research and report on the overall damage.
- Determine the values for covered losses.
- Negotiating settlements with the insurance company on behalf of the insured.
- Recommending future improvements on the insured's policy.
- Re-opening claims if discrepancies are discovered after the claim is settled.
How are Public Adjusters Compensated?
Public adjusters usually recover more than a homeowner would normally be able to get on their own. The adjuster's fees are percentage of your recovery - and they should only collect if they can get the homeowner's insurance company to pay damages.
A public adjuster can make things easier during a trumatic experience. You won't need to handle the claim, and because recoveries are generally greater, having an adjuster work for you can more than pay for itself.
A public adjuster can make things easier during a trumatic experience. You won't need to handle the claim, and because recoveries are generally greater, having an adjuster work for you can more than pay for itself.
Contact H&H Environmental For Public Adjuster Services
H&H Environmental Construction and Consulting now provides public adjuster services for homeowners that have sustained mold infestation or flooding damage.
Since 2005, H&H Environmental Construction and Consulting has provided mold removal and water mitigation services. The company serves New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Maryland and Delaware.
Call us today at (888) 250-6653 for a free consultation.
Call us today at (888) 250-6653 for a free consultation.
About H&H Environmental
- New York Mold Remediation and Testing
- The industry leader in NY mold removal and testing, we provide industrial and residential mold inspections, NY mold removal and remediation for New York, NJ, CT, PA and MA.
- New York City Mold Removal
- Professional New York City mold removal. New York City , NYC mold inspection and remediation services. Mold clean up in homes, apartments, office buildings and more. Call 888-250-6653.
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