Can I prepare my own claim?
Yes, but unless you thoroughly understand your insurance policy's coverage and exceptions, you risk the chance of not fully recovering everything that is due under the policy's provisions. You might also get misled by information requests that you don't have to comply or bother with.
Why do I need help to file an insurance claim?
A typical insurance policy contains hundreds of provisions, stipulations, exclusions, conditions, riders, and requirements. Most people don't understand these; more importantly, most people don't realize that the burden of proof is on them, the policyholder. Most insurance company representatives prefer to work with an experienced professional public insurance adjuster rather than an inexperienced insured.
Why should I hire a public insurance adjuster to obtain what is rightfully mine?
Because it’s worth it. Insurance companies offer to pay based on their self-imposed restrictions which, by definition, include defensive tactics and profit margins. Public insurance adjusters are your exclusive representatives. Knowledge and experience with insurance company tactics are key to making the best settlement.
How can a public adjuster make the insurance company see things differently?
Strangely enough, even the plainest wording in a policy can sometimes have various interpretations. Often, clauses are overturned by laws, or even deemed to exist when the policy doesn't mention them. Generally, insurance company adjusters are supposed to apply the terms of the policy even if those terms have been overturned by law.
Will a public insurance adjuster help me receive a more prompt and satisfactory settlement?
Probably yes, especially if they're hired immediately after a loss. They lose no time in complying with policy requirements to obtain and evaluate the facts and prepare the claim. This alert and knowledgeable response often preserves evidence that may otherwise be overlooked or destroyed. The more thorough and complete the claim, the faster the public insurance adjuster can accomplish an equitable and proper settlement in your best interest.