Thursday, August 28, 2014

By Marlene Blevins


If you have a coverage for your home against damages caused by things like floods, hurricanes, tornadoes, fires, or sinkholes, you are in a better position to get compensated for damages, which occur. However, for you to be awarded the desired claim amount after a disaster that leaves your home and property damaged, you may want to consult a public adjuster Philadelphia area to help assess the damage, prepare for claim, file the claim dispute, and pursue the compensation.

Public adjusters will charge about 10 percent of the amount you are awarded. With such a percentage, it means that you may get minimal amount. On the other hand, if you discover your home has been extensively damaged and the cost is estimated to be tens of thousands of dollars, this is when you need to hire an expert in assessing properties, determining the damages, and pursuing the claims.

You should be cautious of these people since they could put you into more troubles. Insurance companies have their own adjusters who deal with claim issues. However, the problem with these adjusters is that they are biased and lean on the side of insurance companies. They are actually employed and paid by the insurers.

You need to know those who can help you and steer clear of the others who cannot assist. Insurance companies hire their own adjusters who are mandated to inspect premises, assess the damages, and file a report, which is used for evaluating the compensations. Although you may rely on adjusters send to your premises by insurance companies, you also need to understand that they work for the insurer.

Some of the company adjusters can be reliable and will offer a fairly good job. However, a majority of them are not trustworthy and they will not represent your interest. Only a public adjuster can have the best interest at heart when you dealing with claim issues. These are the best contractors to engage with when you find yourself in a dead-end when handling your claim process.

Such problems could lead to delay of such claims. For one, the adjusters working for policyholders will help speed up the process and ensure you obtain the desired claim amount within a short time. Moreover, hiring public adjusters when the process of negotiating a claim has begun can contribute to delay of the process.

Homeowners may have different insurance policies and in each policy, there may be some differing coverage. When destruction occurs, you should determine whether the cause is covered by the policy in the first place. Usually, some policies may not cover all the kinds of risks that are likely to face a homeowner.

When you are seeking compensations, you need to aggressively engage these kinds of adjusters. They may deny you what is rightfully yours. The other type of adjusters is the public adjusters. These adjusters specifically deal with individuals or the claimants. They handle issues of the policyholders and do not at any point work or represent the interest of insurers.




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