If you live in a part of the country frequently plagued by natural disaster, it can be tough to successfully file an insurance claim for property damage caused by these disasters. That’s because most homeowner’s insurance policies don’t cover damage caused by floods, hurricanes, wildfires and other severe weather events.
Because of this, you may find yourself seeking the help of public adjuster services to get your insurance claim successfully filed. However, not all public adjusters are alike — and some use less-than-reputable business practices!
Not sure if you’re hiring the right public adjuster services for your needs? By asking these three questions, you’ll be able to learn whether or not you should be hiring that public adjuster to help you with your flood damage or fire damage claims:
Are you licensed to practice in my state?
Before hiring any public adjuster, it’s imperative to know whether or not he or she is licensed to operate in your area. There are usually online directories with lists of the public adjusters who practice in certain areas — be sure to talk to a few of them before settling on the one you’ll hire.
Can I consult reviews and testimonials from your former clients?
A great way to see how successful and effective a public adjuster is with adjusting insurance claims is to read testimonials from his or her former clients. Many of the best adjusters will have these testimonials ready to give to potential clients, as well — so don’t be afraid to ask.
How do you charge for your services?
Public adjusters have a few different ways of charging clients for their services — typically, they will charge a percentage of the insurance claim settlement they helped win for their clients. But because these percentages can range from just 2% to as much as 50%, you should find out how much your public adjuster will charge you before signing any contracts.
Have any other tips or advice for people searching for the perfect public adjuster services? Share your knowledge with your fellow readers in the comments below and get the discussion going!