![]() ![]() However, you should thoroughly research your options and ensure you understand the fees before hiring a public adjuster. ![]() If you want someone on your side who can explain the claims process, or if you’re worried the insurance company’s settlement offer is too low, hiring a public adjuster might make sense. But you may want to get a second opinion from an independent adjuster in some instances. The Insurance Information Institute recommends that you be wary of public insurance adjusters who show up at your door after a natural disaster and that you should avoid working with anyone who pressures you. However, public adjusters may charge up to 15% of the settlement amount for their services. Hiring a public adjuster could provide a smoother claims process and more confidence in the settlement amount. While a public adjuster may have your best interests in mind, they can only get you the amount you’re entitled to under your insurance policy. If you choose this route, you should vet public adjusters by checking qualifications and references. However, some homeowners prefer to hire a public adjuster to investigate claims. Insurance companies typically employ home insurance adjusters, who provide their services at no cost to the homeowner. Investigating any potential insurance fraudĪuthorizing payments to the mortgage company or homeowners Looking at official police reports or documents related to the claimĬonsulting with legal counsel on complicated claimsĪ home insurance adjuster’s investigation allows them to achieve several objectives: Speaking with witnesses, doctors, or employers for more information Visiting your house to evaluate the scope of damage Home insurance adjusters fulfill several duties for insurance companies, including:Īsking you questions about your claim by phone ![]()
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