If you happen to find yourself in a situation where you have damage to your property that needs repair, what should you do first? If you are like most people, you call your insurance company and begin the process of filing an insurance claim.
NOT SO FAST!
What if we told you going down that path alone would leave you with a settlement up to 2-3 times lower on average than what you deserve? How can you get more money for your property damage claim in Wisconsin? Hire a public adjuster.
What is a Public Adjuster?
Public adjusters are professionals who work on your behalf, not the insurance company’s. We are experts in insurance policies and the claims process, dedicated to helping you receive a fair settlement. Unlike insurance company adjusters, who represent the insurer’s interests, public adjusters advocate for you, the policyholder.
What Do Public Adjusters Do?
Simply put, public adjusters help level the playing field to get you the biggest property insurance settlement possible, but you might have other questions when looking to hire a public adjuster. Here is a list of things public adjusters can help with:
- Evaluate Damage: Public adjusters inspect and assess the extent of damage to your property. We have the knowledge to identify and document all the losses, ensuring nothing is overlooked.
- Policy Review: We review your insurance policy, interpreting the terms and coverage, so you know exactly what you’re entitled to. This helps prevent underpayment.
- Claims Preparation: Public adjusters assist in preparing your insurance claim. We help compile all necessary documentation, including photos, estimates, and reports to support your case.
- Negotiation: The most critical role of a public adjuster is negotiating with the insurance company. We work to maximize your settlement, striving for a fair and adequate payout.
- Settlement Resolution: Public adjusters stay involved until your claim is settled. We ensure you receive the funds you deserve based on the damages and your policy.
How Public Adjusters Help in a Time of Need
Maximize Your Property Insurance claim
We’ll keep repeating this one so you understand that you can receive twice the settlement you would working by yourself—with the help of a public adjuster. Property insurance claims are the most expensive for insurance companies, so they are much less likely to give you a fair settlement. So how do we get you a better property insurance settlement?
We are experts in understanding how insurance companies put a value on property damage and what loopholes they try to find in your coverage. Our knowledge allows us to see potential problems right away and appraise the damage correctly, giving the power back to you as the policyholder.
Protect and Support You During the Claim Process
Insurance companies know that the average policyholder doesn’t understand much about their policy. They know that you likely signed up for your policy years ago and haven’t put much thought into it since. Because of that, they feel that they can take advantage and confuse you with complex jargon and fine print.
Not on our watch! We are there to be in your corner and show your insurance company that you demand a fair settlement on your insurance claim. Just knowing that you are working with a public adjuster is enough for most insurance companies to know that they can’t take advantage of you.
Oversee Construction and Restoration
So now you have your settlement check in your hand… now what? How do you start getting yourself and your property back to normal? We are still there to help! Public adjusters can go beyond just settlement negotiation and help you get back on track with construction, contractors, restorations, and clean-up.
With over 20 years of experience in the home restoration industry, we can help you get quotes from different companies to make sure you put your settlement to good use and get the biggest bang for your buck.
When Should You Hire a Public Adjuster?
Hiring a public adjuster can be a good idea after a property insurance claim. This is especially true if dealing with insurance feels too complicated. Public adjusters can be very helpful if you have a lot of damage, disagreements with your insurance company, or if you’re not sure about your coverage.
We know a lot about insurance and claims and can help evaluate the damage, talk with the insurance company, and make sure you get a fair settlement. If you have a big or complicated claim, like a natural disaster or damage to a business property, a public adjuster can help you get the most from your claim and lessen your stress during a tough time.
You should hire a public adjuster if…
- Claim is Complex: If your claim is complicated or involves significant damages (like natural disasters, fires, or water damage), a public adjuster can simplify the process.
- Disputed/denied Claims: When there’s a disagreement with the insurance company over your settlement, a public adjuster can help mediate and negotiate for a fair resolution. Click here to learn more about what to do when homeowner’s insurance denies a claim.
- Limited Time: If you have a busy schedule and lack the time to handle the claims process effectively, a public adjuster can save you time and stress.
- Insurance Jargon is Confusing: If you find insurance terminology confusing and need someone to decipher your policy for you.
Finding a Reputable Public Adjuster
Don’t just settle for the first public adjuster you come across. Make sure to do your due diligence and find an adjuster that actually gets the job done. Look for licensed and certified public adjusters. Ensure they have the necessary qualifications and experience. Ask for references or read online reviews to gauge their reputation and reliability.
Before hiring, make sure you understand the terms of the contract, including the fee structure and any additional costs. Any public adjuster should be willing to explain how they are paid and any additional fees that are to follow.
As public adjusters in the Milwaukee area of Wisconsin, we uphold the core values that Wisconsin was built upon – Hard Work, Integrity, and Fairness. Our goal is to ensure that no one is treated unfairly by their insurance company and that you, as a policyholder, receive what you deserve.
Dealing with property damage can be incredibly stressful for homeowners due to the multitude of tasks that arise. We aim to alleviate some of this stress by handling the claim process, allowing you to focus on restoring normalcy. Rest assured, you are in good hands with us. We guarantee it.
Contact us today for your free consultation!