Public Adjuster: What Do They Do?

Last week we discussed that Gables Insurance Recovery is a public insurance adjuster. A public adjuster advocates your claim with your insurance company. A public adjuster manages your claim from start to end, they inspect and analyze your property damage, review your policy they assemble estimates and data to support your claim. The public adjuster represents the claimant, or policyholder, like a consumer’s advocate. Typically, a public adjuster works with residential or commercial property losses. They represent and negotiate the insured for car and property damages. As public adjusters, we aim for complete success in representing your claim.

When you report a claim, your insurer will assign one of their independent adjusters to your claim. This adjuster works for them and is working in the best interest of the insurance company. All things being fair having a public adjuster in your corner will even out the playing field and serve as an asset to your claim, sometimes getting you more money that may be owed to you under your policy provisions. Another positive point of working with a public adjuster is that they will advise you on the best course of action to deal with, or mitigate, the damages sustained. Another finer point of dealing with a public adjuster is that they will tell you if filing your claim is even worth it. If there’s minimal damage, like graffiti on the door, an adjuster may let you know that this is not worth filing a claim over. The intention of a public adjuster is to ensure that you receive the maximum settlement as outlined by your insurance policy, in cases of both major and minor damage. Working with an adjuster will give you information that is pivotal to deciding whether to file a claim or not. They will be able to tell you if it will be worth filing the claim and initiating one’s effect on your premium when it comes time to renew your policy. When there’s a major claim like wind, fire, water, or hail damage claim you should report it to your insurer immediately. After reporting it to your insurer you can begin reaching out to public adjusters that come recommended by friends, family, or that are within your local area. Gables Insurance Recovery would be more than happy to advise you on the merits of your possible claim and on helping you receive the best settlement possible under your policy terms.