|
Disasters happen. It may be something large like a tornado or something on a slightly smaller scale like a fire or home flooding, but regardless of the magnitude or the type of disaster, recovery is usually a long road that involves what may seem like a mountain of paperwork, phone calls and physical assessment. One of the people you are likely to encounter along that road is your public insurance adjuster. This encounter is a good thing as it the job of a public insurance adjuster to represent you, the policyholder, in appraising and negotiating an insurance claim. Their primary responsibilities include the following: - Visiting the location to determine damages
- Ensuring the loss is documented
- Preparing estimates
- Reviewing and interpreting your insurance policy
- Determining current replacement costs and building code upgrades
- Evaluating business interruption costs - if it is a business location that has been damaged
- Determining values for settling covered damages
- Negotiating a settlement with the insurance company on behalf of the insured
- Handling the paperwork required by the insurance company, and if necessary, negotiating for a higher settlement if a discrepancy is found after a claim has been settled
Not only does a public insurance adjuster do perform all of these activities, but are able to help you with high –value claims, and negotiate to get you the most money possible, making it easier for you to begin again. So, perhaps, you are wondering how much the services of a public insurance adjuster cost? Typically, it is only 10 percent of the settlement, making them a good investment in your recovery process. Of course, should you be in need of the services of a public insurance adjuster, you need to be certain that you select someone you can count on. Because, not all insurance adjusters are the same, do take some time to check the person/company out before hiring them. Here are some things that a reputable adjuster will have: - A license from your state’s Department of Insurance. Take a few minutes to call and verify that the license is valid.
- Where they are actually located. After a major disaster, many times an adjuster will temporarily move to the region of the disaster. Find out where (city/state) they are based and check references there.
- Make sure that the firm the adjuster is from is a member of their state’s Association of Public Insurance
- Adjusters Association.
- Whenever possible, ask for, and check out any references of people they have assisted and learn what type of job they did for them.
No one enjoys dealing with the aftermath of a disaster. Thankfully, a public insurance adjuster is trained to help you get through the recovery process and start moving ahead with the new future. There are qualified adjusters to be found all across the US, but if you should be in the Twin Cities, MN area, give Norcia a call. They are happy to help. Many websites provide additional information on the topic of public insurance adjusters. One such site worth visiting is Norcia. Janet Slagell independently authors articles for WebDrafter.com, Inc. for search engine marketing. The views and opinions expressed in this article are those solely of the author, and not of any other person, company or organization. No guarantee or warranty, express or implied, is made regarding the accuracy, fitness, or use of the content herein.
Related Articles -
public insurance adjuster, insurance adjuster,
|
