When you file a home insurance claim, you are assigned a claims adjuster by your insurance company at no cost to you. Although your insurance company will provide this adjustor to you, they are trained by, and work for, the insurance company. Despite all the advertising claiming that they’re “good neighbors,” or that you’re in “good hands”, most insurance companies are not focused on you or your claim. Rather their own "metrics". Insurance companies are in business to MINIMIZE their losses, and they have this down to a science. There is a reason they are one of the oldest and most profitable industries in our country, and that reason is that their game is rigged, against you!
A public adjuster is an independent insurance professional that a policyholder MAY hire to help settle an insurance claim on his or her behalf. They help you through the claims process and paperwork as well as explain complicated items and stipulations. They cannot get more money from an insurance company than the policy allows, but often can get more than an insurance company initially offers or does not offer at all. Remember this, a Public Adjuster works for you, and strives to MAXIMIZE your claim payout. At YCC, we have the inside knowledge to do just that!
There are several reasons why hiring a public adjuster can be beneficial. First and foremost, public adjusters are experts in the insurance claims process.
They understand the complexities of insurance policies and can navigate the often-confusing world of claims on your behalf. They can help you properly document and present your claim, ensuring that you receive the maximum amount of compensation you are entitled to.
Additionally, public adjusters can save you time and reduce stress by handling all aspects of the claims process for you. They can negotiate with the insurance company on your behalf, answer any questions you may have, and provide guidance throughout the entire process.
Ultimately, hiring a public adjuster can help level the playing field between you and the insurance company, ensuring that your rights are protected and that you receive fair and just compensation for your loss.
There is no upfront cost to hiring a public adjuster. The initial assessment of your insurance plan coverage and building damage is always FREE. Payment is a percentage of the claim payout, so there really is no out of pocket fee.
Usually, the fees of a are more than recovered in the process, Tim says. He can remember an example of a seemingly simple homeowners claim, where the insurance company offered his client only $500 to settle! They ended up settling for $7500 after YCC was consulted. Despite the small size of this loss, YCC's involvement produced a 1500% increase!
The value of a public adjuster is not just in the additional costs they may recover. Rather, it in their experience and knowledge. A good public adjuster knows to look outside of the box and is able to explain the process step by step to a homeowner, making an overwhelming issue resolve seamlessly.
Copyright © 2024 Young's Claim Consulting - All Rights Reserved.