So do you really need a public insurance adjuster?
A single adjuster can get you over $1,000 for filing a claim. Many companies in Tampa Florida have policies that state an adjuster can be charged per claim. With a large claim, a public adjuster may get only 5 percent of your claim, while a single adjuster can get you 15 percent in Texas and Florida. Some policies may have a limit for claims, but that is usually set at a percentage of your policy’s limit.
As your home insurance company assigns responsibility for your claim, check your policy to see how much you can recover without a reduction in your policy limit. Also, look at your policy limit, the limits of your insurance company’s contractors and check your policy limits, contractors and availability. In some states, the insurance company or your state’s department of insurance may have information on the Public Adjuster’s Association’s Web site.
You should also review your own insurance policy. Talk to your agent or company adjuster, and find out whether your current policy allows you to recover the cost of repair. In some states, the agent may know for certain, and in some states you may need to call your agent and ask. In Florida, there may be a list of available public adjusters, and you can get the list from the Florida Insurance Recovery Program Web site.
What are the Benefits of a Public Adjuster?
A public adjuster’s fee is paid by your insurance company. A single adjuster can get you over $1,000 for filing a claim. Many companies have policies that state an adjuster can be charged per claim. If your insurance company prefers a flat fee per claim, ask about a flat fee based on the cost of the claim.
Even if you have the skills and the education and the training to get repairs done like in cases of mold remediation, you need a public adjuster. A public adjuster can negotiate discounts that keep you from buying other insurance. There may be discounts available on your insurance for fire sprinkler retrofits, or even theft-resistant locks on your doors.
Your adjuster can also find you discounts, particularly on deductibles. A deductible is the amount you are expected to pay toward a loss before the insurance company begins to pay. A small deductible is great news for you, but a large deductible is less great news for your insurance company. An adjuster will negotiate a large deductible. A deductible of $1,000 is the norm when you file a home insurance claim.
What a Public Adjuster Can Do for You is an important consideration when you file a claim. A public adjuster can give you discounts on your policy. You may not think there are any discounts. Your adjuster can get you discounts. So the best thing to do is get a trained, trained, trained and loyal public adjuster to do your filing for you.
Remember, you must have a trained, trained, trained and loyal public adjuster for your case. The public adjuster who will get you the most for your claim is the one you can trust the most to be 100% honest. Your public adjuster is your best friend, your partner and your rock.