After a major storm you're going to be overwhelmed with the amount of damage that was caused and you're going to wonder how you're going to get the mess cleaned up so lets read this article before you call insurance company or public adjuster.
A call to your insurance company will summon an insurance adjuster to help estimate the extent of the damage, but you have no say at all in who assesses the extent of the damage to your property or how much your policy should pay to help you rebuild.Although he's not out to get you, he's working for the insurance company and trying to minimize their pay-out. That's his job.
Hire Your Own Adjuster
Yes you can hire your own guy, known as a public adjuster, to help you . Public adjusters receive the same training as those working for the insurance company, but instead of walking between two parties, the public adjuster you choose is working on your behalf exclusively.
Who Pays the Public Adjuster?
Many homeowners are hesitant to call a public adjuster because they think the fees will be significant. Of course the public adjuster needs to get paid, but many will take a percentage of your settlement rather than demand fee after fee. Anywhere from 15 to 35 percent of the final settlement is typical for the market.
It can be a lot of money, there's no joke about it, but the difference between the insurance adjuster's figures and your public adjuster's figures can more than cover their costs. According to Bankrate's research, those who use public adjuster were better off.
Working With a Public Adjuster: Best Practices
Since public adjusters get paid a percentage based on the amount your insurance company settles for, it's in their best interest to get as much money as they can. They're on your side.
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