If you have home damage from Hurricane Michael, hiring a public adjuster may be in your best interest. Home damage from Hurricane Michael claims can be difficult to settle and require a lot of time and expertise that a typical homeowner may not have.
Home damage from Hurricane Michael must be dealt with as soon as possible and a public adjuster may help your life get back to normal sooner.
If you have home damage from Hurricane Michael, you may have immediate concerns – especially if you are not able to live in your home. You must find temporary housing, you may have to enroll your children in a new school and you may have to start over acquiring new possessions, such as clothing and other necessities.
Once you have those immediate needs met, your thoughts turn to the long-term work that needs to be completed. You may have to file claims for your home and cars. You may have more than one residence that suffered home damage from Hurricane Michael. Perhaps you are a local business owner that suffered from the hurricane.
The Florida panhandle is only beginning to climb out of the devastation this powerful hurricane unleashed. Hiring a public adjuster could help with your home damage from Hurricane Michael.
How a Public Adjuster Helps with your Home Damage from Hurricane Michael
A public adjuster works for you. It is the only type of insurance adjuster that works directly for the policyholder. There are a few different types of claims adjusters. Here is a brief description of each:
Company Adjuster: A company adjuster is employed by your insurance company. It is their job to settle insurance claims. They create estimates of your damage and issue payments based on your repairs.
A company adjuster is employed by your insurance company. It is their job to settle insurance claims. They create estimates of your damage and issue payments based on your repairs.
Independent Adjuster: An independent adjuster is also licensed by the state. They are hired by your insurance company during catastrophes to help the company settle a large number of claims that arise. They work as independent contractors. They also create estimates and issue payment for repair.
Public Adjuster: As discussed, a public adjuster is licensed by the state. They are the only type of adjuster that works for you. They do inspections, write estimates and negotiate with your insurance company for proper and fair settlements.
They typically have expertise in:
- Reading and analyzing homeowner policy forms
- Building construction
- Writing estimates
- Submitting estimates and other required documentation to the insurance company
A public adjuster can be helpful if you have home damage from Hurricane Michael because they can create a thorough and precise estimate and make sure you receive a fair settlement to repair your home and claim your other damage.
When to Hire a Public Adjuster for Home Damage from Hurricane Michael
The sooner you can get a public adjuster involved with your home damage from Hurricane Michael, the better. That’s because the sooner they are involved, the more they can help. A public adjuster can make sure your claim documents are filed correctly and at the right time, so you don’t get bogged down in delays with your insurance company. Since public adjusters are highly skilled in policy language they can often get assistance from your policy that you didn’t know you had – including:
- Money for temporary shelter
- Funds for emergency repairs to your home
- Assistance with debris removal
When a Public Adjuster can help with home damage from Hurricane Michael
A public adjuster is always a good idea for homeowner claims. Because of their expertise, a public adjuster often gets insureds better claim settlements. But there are some scenarios when a public adjuster can be particularly helpful in getting your home damage from Hurricane Michael repaired.
Consider the services of a public adjuster if you are dealing with any of the following scenarios:
You don’t have time to work with your insurance company: Settling an insurance claim is a process and it takes considerable time and effort. If you are having trouble keeping up with the communication and documentation required by your insurance company, a public adjuster can help with your home damage from Hurricane Michael.
You know nothing about your insurance: If you don’t know a thing about your home insurance and how it works to repair your home damage from Hurricane Michael, you may consider a public adjuster. They are experts in policy language and can explain your coverage to you in understandable terms.
You have major damage: If your home damage from Hurricane Michael is extensive, consider a public adjuster. Large property claims are complicated and take a considerable amount of time to settle. A public adjuster is going to make sure you get the proper settlement from your insurance company, so you aren’t coming up short as your home repairs are underway.
You are getting pushed into a quick settlement: If you feel rushed to accept a quick settlement, to get the claim closed, you may want to have a professional on your side. Insurance companies – especially during catastrophes – may want to close claims as quickly as possible. Unfortunately, this can lead to a less than adequate settlement. Take your time and make sure your home damage from Hurricane Michael is settled fairly.
You can’t handle your claim: There is no shame in not being able to handle a claim for your home damage from Hurricane Michael. Maybe you are not comfortable handling the claim for any number of reasons. You don’t have to. A public adjuster can take the claim off your plate, so you can focus on getting your life back to normal.
Your insurance company appears to deny your claim: If your insurance company is denying your claim, you may need some help. A public adjuster can help to make sure you claim isn’t denied unfairly. If you believe you have insurance for your home damage from Hurricane Michael, but your insurance company appears to be denying your claim, you may want to talk to a public adjuster.
Home Damage from Hurricane Michael? Let Bulldog Adjusters Help
There are many reasons why hiring a public adjuster after a Hurricane Michael loss makes sense. Least of all is the fact that they can often save you thousands of dollars in expenses and out of pocket costs resulting from low balled claims.
Contact us today for help.