Insurance companies make plenty of promises. Just turn on the TV or radio and you will hear all kinds of catchy commercial slogans. But when it is time to file an insurance claim for fire damage, pipe leaks, roof leaks or mold, will your insurance company act like a good neighbor and place you in good hands? In far too many cases, policyholders end up with underpaid or denied insurance claims. One of the best ways for homeowners to get the maximum settlement is to hire their own public adjuster.
What Is a Public Adjuster and How Can They Help?
Every insurance company has their own team of adjusters whose job is to properly evaluate and assess damage. Unfortunately, many of these adjusters cut corners to help save their company money. As a result, homeowners often get short changed. Fortunately, homeowners can place themselves in a better position by hiring their own public adjuster. Hiring a public adjuster ensures the homeowner has a better chance of getting a fair damage assessment. In addition to assessing damage, public adjusters can also help with the following:
- Help document, file and prove a claim
- Help homeowners understand the terms of their insurance policy
- Help homeowners deal with the responsibilities of the insurance process
- Help make sure insurance companies process the claim in an accurate and timely manner
Filing an insurance claim can often be a confusing and complicated process. There are many different factors that can determine your insurance settlement. For example, many homeowners who have suffered fire damage may not know how to properly prove their damages or receive their reimbursement. Having an experienced and knowledgeable public adjuster can help place homeowners in the best position to collect the maximum settlement need to account for their damages and lost possessions.
Types of Insurance Claims Adjusters
When filing an insurance claim, homeowners will have to deal with an insurance adjuster. However, not all insurance claims adjusters are the same. Insurance adjusters are divided into three different categories: company adjusters, independent adjusters and public adjusters. Company adjusters work strictly for the insurance company. Independent adjusters are independent contractors paid by the insurance company to handle damage claims. Public adjusters work strictly on behalf of policyholders to ensure they receive the full compensation for their claim.
Ideally, insurance companies should always look out for their policyholders. Unfortunately, that is not always the case. When the insurance company sends out their team of adjusters, do not be so sure they are looking out for your best interests. Hiring your own public adjuster can help prevent any discrepancies in damage assessment. Unlike insurance companies, they are looking out for your best interests. If your claim is denied, your public adjuster does not get paid.
Has Your Insurance Claim Been Underpaid or Denied? Miami Insurance Claims Attorney Jonathan Korin Can Help
Dealing with insurance companies can often get confusing and frustrating. Far too many homeowners throughout Miami-Dade and Broward Counties have not received the proper amount of compensation needed to account for their damages, repairs and lost possessions. Miami insurance claims attorney Jonathan Korin has successfully represented countless commercial and residential property owners. Whether you need legal representation or assistance obtaining a public adjuster, contact the legal team at Korin Law, P.A. and schedule a consultation to discuss your case.