If you've suffered a loss to your home, time is of the essence to take care of the repairs. The last thing you want is to be displaced for longer than is absolutely necessary. You also don't want problems with your insurance company to delay the process. Unfortunately, after a natural disaster, when claims are at an all-time high, insurance companies are usually looking for a way to mitigate their losses. This means they're not going to be in a big hurry to handle your losses. That's when a public adjuster comes in handy. A public adjuster will step in and handle the leg work involved with dealing with your insurance company. Basically, they'll take care of the headaches so you don't have to. When hiring a public adjuster, it's important that you take the time to make sure you hire the right one for you. Here are three steps you should take when hiring a public adjuster.
Have Your Insurance Policy Ready
When it comes to hiring a public adjuster, it's important to know that they'll be working off the details of your homeowners policy. They won't be able to begin the work of handling your claim until they know what's in your policy. That's why it's crucial that you have your policy ready for them. That way, they can start going over it as soon as you sign the contract. If your policy was destroyed in the disaster, contact your insurance company and request a copy as soon as you can.
Look for an Adjuster with Plenty of Experience
When you're dealing with a disaster that's destroyed your home, and you're not having any luck with the insurance company, you want an adjuster with plenty of experience. You're not just looking for an adjuster with experience in the industry, though. You're also looking for an adjuster who has experience dealing with your type of loss. This is particularly important when it comes to losses resulting from a natural disaster such as earthquakes, hurricanes, and tornadoes.
Take Time to Look Over the Contract
After a disaster, you're going to have quite a few public adjusters offering their services. First, try to avoid hiring the first adjuster that contacts you. Take the time to speak to several different adjusters. That way, you know that you're hiring the right one for you. Second, always study the contract before you sign. It's important to know exactly how much you'll be charged for their services, and exactly what services they're offering.
If you've recently lost your home to a disaster, you need a professional in your corner. The information provided above will help you choose the right public adjuster for your needs. For more tips and information, check with a company like Great Lakes Public Adjusting.