If you’ve been affected by a natural disaster, you may require some assistance. A public adjuster can help you file a claim and get your compensation. But before hiring one, it’s important to ask a few questions. Here are five of the most important ones to get started.
- Do you Handle Every Claim Personally?
Insurance companies often hire public adjusters like Graystone Adjusting to represent policyholders. Some public adjusters work for a single company, while others work for multiple companies. Make sure to ask your public adjuster which company they work for.
- What is Your Fee?
Most public adjusters charge a fee, either a percentage of the claim or a flat rate. Be sure to ask your public adjuster how they charge before hiring.
- What is the Process?
Once you’ve hired a public adjuster, they will likely begin by reviewing your policy. They will then help you gather evidence of your losses and file a claim with your insurance company. After that, it’s up to the insurance company to decide whether to approve or deny the claim. If the claim is approved, the public adjuster will work with you to negotiate a settlement. The public adjuster can help you appeal the decision if the claim is denied.
- How Much Time Will This Take?
The amount of time it takes to settle a claim can vary depending on the complexity of the case and the insurance company’s decision-making process. Be sure to ask your public adjuster to estimate how long the process may take.
- What if I’m Not Satisfied with the Settlement?
If you’re not happy with the settlement offer, you can always reject it. However, keep in mind that if you reject the offer, you may have to hire an attorney and go to court.
Asking these questions will help you better understand what to expect from a public adjuster. Knowing what to expect can help make the claims process less stressful.