It is possible that your home or perhaps your business might get damaged or destroyed in a fire or by other means. You will want to file an insurance claim to get what you are owed and this process can take a long time. When you hire a public adjuster, they will represent you and ensure you will get what you are owed. What should you look for when choosing a public insurance adjuster? Here are just some examples.
Always make sure you are dealing with a public adjuster that is licensed in your state. You can ask to see their license, ask where they have studied and if their license is actually under the umbrella of a company or another person whom they work for.
Solicitor and Adjuster?
In some cases, you could be working with both a solicitor and an adjuster. If you prefer to only work with an adjuster, then you will have to choose a company in which the adjuster signs you up and does the work for you on their own.
When you are working with a public adjuster, you need to be assured that they have good communication skills. Does their personality fit with yours? Do they listen to your concerns and what you hope to gain from filing a claim with the insurance company? You should be able to feel comfortable with them and feel confident in their ability to represent you.
Before you hire a public adjuster, always pick more than one that seems to meet your needs, and then ask for references. It is a good idea to call at least two references that they offer, and also, do an online search with the Better Business Bureau or Google search to see online reviews of the adjuster. Compile a list of questions to ask the references, such as "did they earn their fee?" and "did they receive the amount they were looking for in their claim?"
No Upfront Fee
Most adjusters will work on a contingency basis, meaning they get their fees from the money you receive from your insurer. This is an agreed-upon amount between you and the adjuster and is based on the amount you will receive in your claim. It should not exceed the typical amount for your state. You can do a quick search to see what is average for your area. Click here to learn more about an insurance public adjuster.