A public adjuster, for a percentage fee up to 33% of your insurance claim, works for you, not the insurance company. A public adjuster is licensed and regulated by your state. Although a public adjuster will offer to save you the frustration of completing the seemingly endless paperwork required by your adjuster, you still must be 100% involved in the process because only you know your loss. The public adjuster may offer to give you the “inside scoop” of the insurance claims settlement process. With the Internet and advocacy groups available, all information you will need to settle your claim is available for free. During my recent experiences, I have seen insurers pay policy limits with minimal paperwork from you. Most fire survivors can handle all the paperwork themselves, particularly with the free disaster recovery resources on hand to help. Why give up a hefty portion of your claim for work and information you will probably do and find yourself?
To be fair - there are instances where I can see public adjusters being useful. If you live out of state and cannot be on hand at a moments notice or cannot monitor the rebuilding process. Or if you have tons of money and just want to give it away to someone............wait, if that is the case - go to my donations page - I could use some!!!!! LOL.
Out Of The Ashes
aka Ambulance chasers......
"Only a life lived for others is worth living!"
- Albert Einstein