If you’ve ever found yourself with massive property damage in the midst of major storm damage from hurricanes, tornados, wind, hail, water, flood, fire, or earthquakes, you know the devastation involved in property loss and the toll it takes on your life and business to rebuild. This is a highly stressful time. Insurance policies vary and can contain hundreds of stipulations, exclusions and details to review, along with complex reporting required to substantiate your claim.
A public adjuster can help to minimize these difficulties and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public adjusters understand the insurance business and are experienced in the claims handling process so they can work quickly to expedite payments.
What Is A Public Adjuster?
A Public Adjuster is an independent professional that helps policyholders settle insurance claims on their behalf. Public Adjusters understand the intricacies of insurance policies, property loss adjustments, claims, and supporting documentation required, and can work quickly to expedite settlements. Public Adjusters may be retained by policyholders to assist in processing their insurance claims. A Public Adjuster has no relationship with the insurance company, and works completely independently to negotiate fair and balanced settlements on your behalf.
What Does A Public Adjuster Do?
A Public Adjuster removes the hassle, headache, paperwork confusing legalese and works on your behalf with the insurance company to help you get a fair and balanced settlement. A Public Adjuster reviews your policy and coverage, conducts damages assessments, gathers paperwork, reports, assessments, photos, measurements, and works with industry experts to submit the necessary details to process your claim effectively.
Typical Duties of a Public Adjuster Include:
- Free Insurance Policy Review
- Property Damage Assessment
- Insurance Company Correspondence & Communications
- Meetings & Communications with Insurance Adjusters
- Meetings & Communications with General Contractors
- Management, Collection and Submission of Paperwork, Reporting, Photos, Damage Assessments, Measurements
- Collaboration with Industry Leading Experts
- Confer with Legal Counsel
What Does A Public Adjuster Charge?
A Public Adjuster does not get paid unless you do. Fees range from 10-15% of the insurance settlement. If your business has been damaged by storms or events such as hurricanes, tornados, wind, hail, water, flood, fire, and earthquakes, and you need help filing your claim, contact the experts at Mitchell Adjusting International. With over 25 years of experience, we have successfully negotiated numerous claims on behalf of our clients throughout the nation. If your claim was previously denied or you believe it was underpaid, contact us for a free policy review. We work with businesses of all sizes, commercial property owners, and corporations throughout the U.S.
When Hiring A Public Adjuster
1. Ensure They are Licensed
Request proof of licensure in the state where the claim is being filed. You can also check with the state insurance department.
2. Check References
Always ask for references, recommendations and testimonials from their current and past clients. A quick Google search can tell you a lot. Also check their website and Social Media review platforms.
3. Read Your Contract
Make sure you understand your contract with the Public Adjuster before you sign.
We Work For You. Not The Insurance Company.
At Mitchell Adjusting International, we know firsthand what it’s like to have business interruption due to an event completely out of your control. We have over 25 years of experience and we are your advocate, every step of the way. With offices nationwide, we successfully manage and negotiate thousands of commercial/ large loss settlements throughout the nation. We do the work, so you don’t have to!