You may be wondering “What is a public adjuster, anyway?” or “Why should I hire a public adjuster?”
First, a public adjuster is an insurance expert you can hire who advocates for you in the insurance claim process. Insurance companies have their own best interests and profit in mind, so you can’t count on them to ensure you get the best possible payout from your coverage. A public adjuster represents you, and uses their professional expertise to navigate the claims process.
Why should you hire a public adjuster?
Like we said, a public adjuster represents you only. Unlike independent adjusters who work for the insurance company, public adjusters are not paid by the insurance company, but paid by you, usually as a small percentage of your final claim payout. This means they have every reason to work hard to get you the best payout possible.
Public adjusters are licensed and bonded in the states in which they work. Insurance policies and claims processes are complicated – navigating them for your first time can take hours you don’t have, and cause more stress in an already stressful situation. You have peace of mind when you hire a public adjuster knowing that they are a licensed professional and know exactly what needs to be done.
With that comes expertise. Public adjusters understand the language used within your insurance policy. They are trained professionals who know exactly how to handle the complexities of your claim.
Instead of needing to research, contact, and hire several people throughout your claim process, public adjusters will use any expert needed to settle your claim. With their experience in the field they have a network of experts to turn to for anything your claim may need.
Public adjusters are lawfully allowed to settle your claim, representing you in the process from start to finish. Contractors on the other hand, cannot legally settle your claim for you.
Public adjusters exist because of the inherent conflict of interest when one entity or person represents two sides of a financial transaction. You deserve an expert who is fully on your side in the claims process.
Public adjusters generally recover more money in a settlement than unlicensed entities. As experts working on your behalf, they work diligently to ensure the best payout possible for your claim. This report from the OPPAGA gives an example of payouts over 700% more for their claims for policyholders that used a public adjuster than those who did not!
I think a Public Adjuster is right for me. What now?
At D.A. Lamont, we specialize in large loss insurance claims. If your property has suffered damage, we would love to help. We understand how difficult loss and damage can be, and want to help you get the settlement you deserve, and the peace of mind that comes with knowing experts have your back. You can contact us here.
We specialize in Hail Damage and Baseline Roof Assessments. We also provide expert services in:
- Tornado Damage
- Flood Damage
- Business Interruption
- Collapse Damage
- Earthquake Damage
- Fire Damage
- Hurricane Damage
- Appraisal Clause
- Umpire Service
- and Complimentary Inspections
Our mission is to achieve the highest standards in being the most professional and successful, as well as efficient in any claim settlement while serving the best interests of the policyholder. We stand to exceed expectations while priding ourselves in ethics, respect, loyalty, integrity, and professionalism.