After a flood, fire or other disaster, most homeowners do not have time or the energy required to document the property loss and negotiate a claim with the insurance company. Insurance companies know this, and can use the stress of a catastrophic event to their advantage when offering a settlement. Hiring a public adjuster can not only save time and stress, but also result in a higher settlement.
Insurance adjusters are hired by the insurance companies to evaluate the loss and trained to save the insurance company money by paying out as little as possible. Public adjusters are hired by the insured and represent them in the negotiations.
Gonzalez Public Adjusters
Do you have a “family doctor?” Do you have a “personal attorney?” How about a “personal Public Adjuster”? Most do not know what a Public Adjuster is. We’re here to explain what a Public Claims Adjuster is and why you should know about what we do.
A Public Adjuster (otherwise known as PA), is licensed by the Department of Insurance. He/she is hired by the policy holder to handle negotiations of a personal claim with the insurance company. PA’s typically only handle commercial and residential property claims.
What to do
When a loss occurs it is critical to know what your duties are as a policy holder. A PA adjusts losses day in and day out. We are experts when it comes to policy interpretation. We use estimating software that is industry accepted by every carrier. More importantly hiring a PA saves you the time and agony associated with filing a claim.
Remember, a policy is simply a negotiation tool used to determine how a claim should be settled. Yes the carrier has a fiduciary duty to pay out what the policy arrangement is. You, however, are still responsible for determining what you’re entitled to.