Top 6 Ways a Public Adjuster Can Settle Property Claim Disputes

When your home is seriously damaged, it's difficult to navigate the claim process alone. Insurance claims adjusters don't tell you everything you need to know. They push you to settle quickly. When they should be making certain you have the funds to properly restore your home, an insurance adjuster often focuses on keeping the claim payout low. These small complications can become big disputes. Hiring a public adjuster is a prudent way keep the claim disputes process flowing smoothly before it spins out of control.

When a public adjuster manages your claim, home insurance disputes are usually resolved with fewer complications. PAs know how insurance companies operate. They know what to expect during an encounter and how to dispute a wrongful position, and they put their expertise to work for you.

Here are 6 ways a public adjuster can settle disputes in your property claim.

1- A public adjuster recognizes and resolves coverage issues

Insurance company adjusters sometimes make it difficult to recognize that a coverage dispute exists. They leave cryptic phone messages or tell you to "read your policy." They might mention filing a timely “proof of loss" or send a “reservation of rights” letter that is difficult to understand. 

Public adjusters recognize coverage issues no matter how poorly the company explains them. They demand the specific claim information, review your policy and push the insurance company for immediate follow-up and resolution.

2- Skilled insurance negotiators

Public adjusters skillfully negotiate even disputed claims. PAs understand the issues, damages, coverage and any inherent claim problems. They are bold, articulate and willing to wait for the right outcome. 

3- Public adjusters go up the chain of command

Insurance company adjusters often portray themselves as having the final say in settling your disputed property claim when, in fact, they have little power or settlement authority. When public adjusters can’t resolve your claim, they don't hesitate to go up the chain of command to a supervisor, manager, or executive with the real authority to resolve home insurance disputes.

4- Understands the insurance company intimidation tactics

Public adjusters recognize that when an insurance adjuster wants to push you into settling the claim early or for a low figure, they often resort to “strong arm” intimidation tactics. They might send a complicated coverage letter, mail you a check for an amount you’ve already rejected or close your file without notice if you refuse a final offer. Public adjusters know your rights and they know how to respond to insurance company intimidation.

5- Knows that "final offers" are negotiable

Insurance company adjusters can show you charts, graphs, and calculations that explain depreciation, average life expectancy, material costs, prevailing labor rates and more. They make it seem as though these figures are set in stone. Fortunately, a public adjuster understands that everything is negotiable. Even after an insurance adjuster makes a "final offer," your public adjuster keeps working to get the best settlement for you.

6- Push to get your home restored properly

Since your insurance adjuster doesn’t have to live in your home, it might seem unimportant if the new paint, tiles, or carpeting don’t match the old. Fortunately, your public adjuster listens to you to determine what is important to your claim. If the insurance adjuster disputes your right to have your home restored properly, your public adjuster will push until the insurance company authorizes the funds to get it done right.

Miller Public Adjusters currently serves the states of
Wisconsin - Florida - Illinois - Indiana - Michigan - Minnesota - Texas

Call us 24 hours a day at (800)958-4829 to schedule an appointment or
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