Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

How to Handle Insurance Adjuster Meetings Effectively

When it comes to navigating the complex world of insurance claims, Insurance Adjuster Meetings can be a daunting experience for many property owners. At LMR Public Adjusters, South Florida’s premier public adjusters, we advocate for property owners to maximize their insurance claims with a dedicated team. Understanding how to handle these meetings effectively can significantly impact the outcome of your claim.

Preparation is Key

Before your meeting with the insurance adjuster, thorough preparation is essential. Here are some steps to ensure you are ready:

Gather Documentation: Collect all relevant documents, including your insurance policy, photographs of the damage, and any repair estimates.
Understand Your Policy: Familiarize yourself with your insurance policy’s terms and conditions to know what is covered.
List Your Questions: Prepare a list of questions to ask the adjuster to clarify any uncertainties regarding your claim.

During the Meeting

When the meeting begins, it’s important to maintain a professional demeanor. Here are some tips to keep in mind:

Be Honest and Clear: Provide accurate information about the damage and your claim. Misrepresentation can lead to complications.
Take Notes: Document everything discussed during the meeting, including the adjuster’s comments and any commitments made.
Stay Calm: If disagreements arise, remain calm and composed. It’s crucial to keep the lines of communication open.

Follow Up

After the meeting, don’t forget to follow up. This can include:

Sending a Thank You Note: A simple thank you can go a long way in maintaining a positive relationship.
Requesting a Written Summary: Ask for a written summary of the meeting to ensure everyone is on the same page.
Stay Engaged: Keep in touch with your public adjuster to discuss any developments or concerns that may arise.

Why Choose LMR Public Adjusters?

At LMR Public Adjusters, we specialize in handling various types of claims, including water damage, wind damage, and mold damage. Our commitment to excellence and our track record of success set us apart from other public adjusting firms. We operate on a contingency basis, meaning you only pay if we secure compensation for your claim.

Our team is dedicated to providing excellent customer service, ensuring a seamless and stress-free experience. If you are struggling with property damage, contact us today for a free claim assessment and let us help you navigate the insurance claims process.

Conclusion

Handling Insurance Adjuster Meetings effectively requires preparation, professionalism, and follow-up. By understanding the process and utilizing the expertise of LMR Public Adjusters, you can maximize your chances of receiving the compensation you deserve. Don’t hesitate to reach out to us for assistance in your claims process.

For more information about our services, visit our about us page or contact us directly at (954) 603-7174. We’re here to advocate for you every step of the way.

Testimonials

Extremely knowledgeable and professional firm. The employees are fast, efficient and a joy to work with. We would not have been able to rebuild our home after Hurricane Sally without them. Highly recommend their services.

- Jennifer Medeiros

LMR is the best! Thorough, efficient and quite effective, in every way. Guy Hendel is our hero for the profession of public adjuster.

- Ronald Brauner

LMR Public adjusters did an amazing job for us, we're very pleased and impressed with their professionalism and prompt execution of our insurance claim.Special shout-out to Leor, our adjuster; very knowledgeable, diligent, organized. kept us informed each step of the way, he's a pleasure to work with. Most important; he gets results!! Thank you again

- Roy Shriki

Very efficient and easy to work with. Responsive and all around had a great experience with our claim. Highly recommend, as they are experts in the business!

- Narmar Hanna