A home fire is a traumatic experience that a property owner can face. If the damage is severe, you may lose some irreparable things. You will also have to go through a rigorous insurance claim process to deal with the damage without financial losses.
This is why hiring a public adjuster as soon as you experience a home fire is essential. Here are the top ways they can help you deal with the situation.
1. Assesses The Damage
A fire can cause medium to extensive damage to your property. However, not all problems are caused by the fire. Some problems may be affecting your home before the incident.
So a public adjuster will help you assess all the damage caused solely by the fire. This will allow you to file an accurate insurance claim using reliable information. The expert will also help you understand the related damages caused by the fire.
For instance, the event may lead to water or soot damage in the future. A public adjuster will consider all these risks and record every damage. So you don’t have to worry about being compensated for burn damages only.
2. Finds Loopholes
It is no secret that most insurance companies try to deny claims using different reasons. That is where an experienced public adjuster will help you. The expert will review all essential documents, including your policy, to ensure there are no loopholes.
Many companies find loopholes and minimize payment using it. However, an adjuster will foresee these issues for you and develop a plan to prevent the insurance service provider from denying your claim. The expert will also gather solid evidence to defend you.
3. Connects You With Disaster Recovery Companies
Some companies that offer public adjuster services will also help you with disaster recovery. This means that the company will offer cleanup and restoration assistance. So you will not have to worry about hiring another contractor to deal with the damages.
Besides that, a public adjuster may also connect with you, a disaster recovery company, if they don’t offer the particular service. So the expert can help you save time and effort. You will also not have to worry about the reliability of the cleanup contractor.
4. Serves As A Single Point Of Contact
If you don’t hire a public adjuster, the insurance company will assign an expert to you. However, remember that most service providers assign multiple public adjusters to you. So various people will be handling the claim process, and things can get confusing.
Some adjusters may also have the relevant experience to help, while others may not. This is why hiring it is best to hire a public adjuster yourself. The person will serve as a single point of contact and help you until you get your rightful claim.
These are the four ways in which a public adjuster will help you deal with a home fire. The expert will mainly focus on the damages that were caused by the fire.
The individual will also find out the reason for the fire and file an appeal using the most authentic information. So you will have maximum approval chances of your insurance claim.