What you should do if your home is damaged?
- Take photos or videos of all building and content damage before any emergency repairs are done.
- Protect your property to prevent further loss (tarp the roof, do temporary building repairs, move or remove trees, move property out of harm's way).
- Preserve damaged property to prevent further damage and save it so the adjuster can see it.
- Obtain a written estimate to repair the building damages.
- Prepare a room by room list of damaged property showing quantities, ages and replacement prices.
- Keep an accurate list of all additional living expenses.
- Keep an accurate accounting of the supplies you purchase to do the emergency repairs.
- Leave a forwarding address or phone number where your agent and adjuster can reach you.
What is a Public Adjuster?
Do not confuse the term "Public Adjuster" with "Adjuster". The term "Adjuster" as used in the insurance industry means a person
or firm hired by the insurance company whose job is to fairly determine the amount of money due you under the terms of the
insurance contract. There is no fee charged to you for this service.
The "Public Adjuster" is contracted by you to negotiate, on your behalf, with the insurance company to determine the amount of
money due you. He does charge
YOU a fee for his services. This is done by a binding contract between you and the public adjuster. There is no guarantee
you will be happy with the outcome..
His fee is subtracted from your total claim, not added to it. His fee is a percentage of your entire claim. This percentage is
generally between 10% and 35%. If your claim is $10,000 and your public adjuster charges 25%, you will receive a net of $7,500.
From this net figure you must pay the contractors and replace your furniture and clothes.
Generally speaking all communications between you and your insurance company (or us) must go through your public adjuster.
This, quite often will cause delays
Should I Use a Public Adjuster?
We generally advise against it.We have decades of experience and have rarely seen any advantage to you.
We suggest you give the insurance company adjuster a chance. If you are not happy with the result, you can then
evaluate whether a Public Adjuster can be of value to you.If so,you can hire him then. The reverse is generally not true.
You also have us to help you..