Licensed and bonded public adjusters are regulated by their state’s rules and policies, and work only for the public, such as homeowners like you. They have no ties to any insurance company and as an expert in the insurance field, are employed directly by you. Their sole interest is in getting you the maximum settlement possible on your loss claim. If mistakes have been made on your insurance claim, or your insurance company refuses to settle your claim for what you feel you are entitled to, hiring an expert such as a public adjuster can be your best option.

Why Hire a Public Insurance Adjuster?

You may be owed more money than you think. Public adjusters are masterful at reading your insurance policy and determining the actual amount you’ll need to return your property to its pre-loss condition. Most insurance companies strive to please their shareholders, so it should come as no surprise that they attempt to minimize their claim costs by denying homeowners what they are fully entitled to.

Even in the clearest of cases, your insurance company will only pay you what they believe your claim is worth. Their decision is based on their own adjuster’s evaluation of your loss, who uses the insurer’s standard determination processes and criteria. Insurance policies are complex documents that vary according to the insurer. Furthermore, even if you’re fairly knowledgeable with the terminology used in your homeowner’s policy, you are at a disadvantage when dealing with the company who wrote it.

Insurance companies look for ways to interpret their policies in their own favor, denying all or part of your claim. A public adjuster, who works exclusively on your behalf, looks for every possible way to interpret your policy in your favor. Studies have shown that policyholders who hire a public adjuster tend to receive larger settlements, often three to five times as much as they would have received if they were representing their claim themselves.

How Do Public Adjusters Get Paid?

A public adjuster receives a percentage of your insurance claim settlement as his or her fee. This is good news for you as the policyholder, as it means it is always in the adjuster’s best interest to ensure you receive the highest possible settlement. It is very often the case that the services provided by a public adjuster are more than covered by the larger settlement you receive due to her or his expertise and representation of your claim.

Conclusion

Many homeowners are wrongfully denied the full amount due them for a property loss claim. Keep in mind that your insurance company has hired experts to represent its interests and determine what you should or should not receive. There’s no good reason you shouldn’t do the same; it’s simply a matter of leveling the playing field.

If you’ve been previously denied a filed claim, or have recently sustained property damages and would like an expert’s opinion, contact us today. With our years of professional experience and knowledge, we can fully evaluate both your policy and your loss and help guide you accordingly.

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
please fill out a Free Claim Review to see if we can help.