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Can I hire a public insurance adjuster after I’ve filed my homeowners claim?

Hiring a public insurance adjuster after filing a homeowners claim

The short answer is yes.

But the question in the title of this blog does open the door to a lot of other questions about working with a public insurance adjuster like us here Fortitude and the overall process of a claim with an insurance company.

Let us give you some more detail about how the insurance claims process works, the other players in the process, and how we can help you with your claim even after you have already submitted it!

What insurance adjusters won’t tell you

When you file your claim with your insurance company, the person on the other side of the phone is also called an adjuster, but this adjuster works for the insurance company. There are many things that you should know about working with his person when you submit their claim.

  1. Their overall goal is to get you to accept a lower claim – at some insurance companies, they even have goals around how little they give out in claims. This is important to know and always remember that this person is NOT working with your best interests in mind.
  2. They are going to purposely ask you questions to reduce your settlement – everyone knows that insurance companies ask A LOT of questions. The reason for this is so they can poke holes in your story and try to prove that your insurance doesn’t cover things that it normally would.
  3. Your settlement offer is not final – just because you submitted your claim and you have been given a settlement offer, does not mean that it is final. This is still a good time to hire a public adjuster as we can take a look at the offer and start negotiating on your behalf.
  4. They HATE when you hire a public adjuster – adjusters who work for insurance companies want easy claims where the person just blindly accepts whatever offer they put in front of them. When you hire a public adjuster, they know that you are actually taking your claim seriously and that they are going to need to work harder to get you a fair settlement.

Public adjusters make an insurance claim easier to finalize

While the process of filing a claim can be extremely difficult and time-consuming, it is nothing compared to the process of negotiating and finalizing a claim. If you have already submitted your insurance claim, hiring a public adjuster helps you get through that part of the process.

We have been working with insurance companies for so long that we know exactly what the process for each of them are and the best buttons to press to get your claim to move along quickly.

Once you get your settlement offer, our experience allows us to know the correct settlement amount and make negotiations much easier and quicker so you can get back to your life sooner.

Yes, Private adjusters can also help improve an insurance claim

It is amazing the amount of stories we hear about people who thought they were getting a fair settlement from their insurance company only to find out how much they lost out on once they started to do repairs. This is because they didn’t know how to negotiate or even what a fair settlement should even be in the range of.

When working with a public adjuster, you can expect a significant increase in the amount you receive as a settlement from your insurance company. In some situations, this could mean hundreds of thousands of dollars more in a settlement than you would have received before.

While not every situation is like that, most of the time there is a significant amount of money that is being left on the table when working with an insurance company. We aim to collect as much of it as possible.

Why you should hire a public adjuster as soon as possible

While we can join in and help you really at any part of the claims process, the sooner that we are involved, the better. When you hire a public adjuster before you even start your claim, you drastically reduce the amount of time it will take for you to get the settlement you deserve so you can get back to enjoying the life you had before needing a claim.

The reason for this is that we help you remove a lot of the common places that claims get stalled. We will make sure that the claim is submitted correctly the first time so you do not have to redo it. We handle all the questions that the insurance company might have. We handle all the negotiations on your behalf. And we make sure that you are being treated fairly.

When you have to submit a homeowners insurance claim, a lot of the time it is for a reason that is causing you an immense amount of stress. Whether it is flooding, a fire, or wind, or storm damage, you are likely dealing with something that will cause a major disruption to your life. Hiring a public adjuster helps with that too. We will handle the painful task of dealing with your insurance company so that you can focus on what really matters, making sure your family is safe, and putting your life back together again.

Interested in hiring a public adjuster? We are here to help! Contact us today for a free assessment.

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