When Disaster Strikes Your Home Or Business
You Need A Public Adjuster
We understand construction, and the home building, and repair process. But more important we understand insurance and insurance adjusters.
Get The Most Claim Out Of Your Insurance Claim
What is a public adjuster and how can they help me?
When you find yourself in the unfortunate situation of having to file a claim on your homeowners or business owners insurance policy due to damage or loss, the process that follows is quite structured. The insurance company, upon receiving your claim, will dispatch an adjuster to the site of the loss to conduct an assessment. It is important to understand that this adjuster is an employee of the insurance company and their primary allegiance is to their employer, not to you as the policyholder. This means that their assessments and decisions are made with the insurance company’s interests in mind.
The phrase “you’re in good hands” or the notion that the adjuster is “your neighbor” and is “on your side” can be misleading. In reality, the adjuster’s role is to evaluate the extent of the damage and estimate the cost of repairs or replacement, but they do this from the perspective of minimizing the financial liability for the insurance company. This is a critical point to bear in mind, as it can significantly affect the outcome of your claim.
Moreover, it’s worth noting that there are no stringent requirements for someone to become an insurance adjuster in terms of practical experience, especially in construction or related fields. The path to becoming an adjuster often involves completing a course and passing a test, which primarily focuses on the procedural and legal aspects of claims adjustment rather than on hands-on, practical knowledge of construction and repair work. This lack of practical experience can sometimes lead to inaccurate assessments of the damage and the associated costs.
Recognizing this potential imbalance in expertise and representation, state law empowers you, the policyholder, to hire your own adjuster. This professional, often referred to as a public adjuster, works independently of the insurance company and solely for your benefit. Their role is to conduct a thorough and impartial assessment of the claim and to negotiate with the insurance company on your behalf. Having a public adjuster can be a game-changer in ensuring that your claim is fairly evaluated and that you receive a settlement that accurately reflects the extent of your loss and the cost of repairs or replacement. This option provides a level of advocacy and expertise that can significantly influence the outcome of your insurance claim.
We Help You Get The Maximum claim amount for your loss
At our Clear Loss Consultants, we possess a deep and comprehensive understanding of the construction industry, including the intricate processes involved in home building and repair. However, our expertise extends beyond just construction knowledge. We have a profound grasp of the insurance industry and the workings of insurance adjusters, which is equally, if not more, important. This dual expertise uniquely positions us to navigate the complexities of insurance claims related to construction and repair work effectively.
While we cannot promise a specific outcome for each case, our track record speaks volumes. On average, the estimates we have secured for our clients are 40% higher than the initial offers made by their insurance companies. This statistic is a testament to our commitment and skill in advocating for our clients’ best interests. Our primary goal in every case we handle is to ensure that our clients receive the maximum possible funds. We understand that dealing with property damage can be a stressful and disruptive experience. Therefore, our focus is always on facilitating a swift and fair settlement that allows you to restore your property and your life to normal as quickly and smoothly as possible.
Our approach involves a thorough analysis of your situation, leveraging our extensive knowledge of both construction and insurance. We meticulously assess the damage, estimate repair costs accurately, and then negotiate assertively with insurance companies. This comprehensive and dedicated approach ensures that we are not just representing you in the claim process, but actively fighting to secure the funds you rightfully deserve. Our ultimate aim is to alleviate the burden of the claims process from your shoulders, allowing you to focus on moving forward and rebuilding, secure in the knowledge that your financial interests are being protected and maximized by experts.
