If you’re making a homeowner’s insurance claim to cover repair costs after wind damage, flooding, or other single family home mishap, you need to hire an advocate to ensure you receive all of the compensation you’re entitled to. A public adjuster in West Palm Beach is just that advocate.
Public adjusters work directly with policyholders to maximize payments from the insurance company. They evaluate home damage and how much repairs will cost. Then, they work directly with the insurance company to maximize your claim and expedite payments.
If you’ve experienced damage to your home from floods, wind, plumbing, fire, mold, or other covered event, you need the best public adjuster in West Palm Beach.
It’s essential that you hire an experienced, qualified public adjuster. You need to find someone you can trust to advocate properly for you.
Here’s how to choose a great public adjuster to help you have the best possible experience. First, a few Dos.
Ask about experience.
Check to make sure that the adjuster has specific experience with claims similar to what your homeowner claim is for. You can ask for references (and call them!), as well as credentials. Also ask what professional groups they belong to, such as the National Association of Public Insurance Adjusters (NAPIA).
Make sure the person who comes to your home is the public adjuster who will handle your claim.
Ask whether they are simple a salesman or whether they will be adjusting the loss and communicating directly with you.
Talk about the fee contract.
Find out upfront what they are charging, and do your homework to make sure that the fee is appropriate for the type of your loss, the extent of the repairs, and your claim status.
And there are some don’ts when searching for a great public adjuster in West Palm Beach.
Don’t hire anyone who is not properly licensed.
In Florida, public adjusters are legally required to be licensed in order to perform work in this profession.
Don’t fall for high-pressure sales tactics.
Take your time to read through their proposal thoroughly, and then make a decision on your own time.
Don’t hire anyone who calls you within 48 hours of a personal lines residential loss.
This is illegal in Florida, and you should not be contacted by a residential public adjuster within two days of your loss. However, you may contact an adjuster at any time after your loss.