Seek Out Guidance For Your Fire Damage Claim
The recent California wildfires are worth bringing up in the discussion of fire damage claims. After the fires were finished ravaging and the dust settled, thus began another challenge. As people mourned the loss of lives and loss of property, the aftermath came in the form of complex fire damage claims.
But it’s not just in California. Fires happen everywhere for a number of reasons and it’s important to be prepared for such a disaster and for the challenges ahead. If you enlist the help of a public adjuster along the way, the stress levels can be reduced and you’ll have a proper ally. But why hire one? What do they do?
A public adjuster is a claims professional who advocates for policyholders in appraising and negotiating their insurance claims. The insurance company has their own claims adjusters and in some cases, outsourced independent adjusters, who can simply represent the rights of an insurance company.
The insurance company is focused solely on reducing the amount of money it will pay you for your claim, no matter how traumatic the damage. The public adjuster, however, is on your side, striving to ensure you receive every dime that is deserved. Besides, you are entitled to these dimes under the provisions of your insurance policy.
Here are some bullet point duties that a public adjuster can do to serve you.
- Damage appraisal
- Inventory preparation
- Property estimates
- Learn the ins and outs of your policy
- Prepare claim documents
- Negotiate the outcome of the claim with your insurance company
Sometimes, a fire claim is denied. This is another area of expertise that an adjuster can help out with. The adjuster company would then assign an independent investigator to dive deep into the damage to prove that you are not at fault, file an appeal and negotiate with the insurance company until you get what you deserve.
You and your adjuster share a common mission: to get the most from your fire damage claim. After a fire, rebuilding and repairing is everything, so that you can return to normalcy. Call a licensed public adjuster today if you find yourself in a similar predicament.