Anyone disputing an underpaid or denied claim connected to their homeowner’s insurance are already stressed and frustrated. Hiring a public adjuster is an effective way of fighting those decisions. There are some basic questions that everyone should ask before hiring a public adjuster to help ensure they receive the best outcome. No one should be reticent about asking questions, even if it makes them feel uncomfortable.
Public adjusters must be licensed within the state. Individuals can visit the Florida Department of Business and Professional Regulation to verify licensing prior to scheduling an exploratory consultation with a public adjuster. Individuals will also want to know how long the firm has been in business.
Types of Claims
It’s important for individuals to hire an adjuster that’s handled cases similar to their own. Public adjusters will typically list the types of claims they handle on their website. Some adjusters specialize in home claims, while others work exclusively with business clients. Speak with several adjusters before making a final choice.
A successful and reputable public adjuster will gladly provide references and recommendations from satisfied clients. However, don’t take those documents at face value. Take the time to actually contact the people named to verify the information and look at feedback online.
Number of Active Cases
Handling a claim requires a significant amount of time and effort. Homeowners won’t get the personalized service they want and deserve if the firm is overbooked.
One of the public adjuster’s typical jobs is to communicate with the insurance company on their client’s behalf. However, some clients prefer being fully involved in the entire process. Individuals need to ascertain the method the adjuster prefers before hiring them and how much involvement they wish to have.
Public adjusters will receive a percentage of the additional funds recovered from the insurance company. If an adjuster asks for an up-front payment, don’t do business with them. They have no way of knowing how much, if any, will be recovered and it’s an unethical practice.