What Is an Insurance Adjuster vs. a Public Adjuster?
If you, unfortunately, incur property damage that was due to no fault of your own, then you may have to file a claim with your insurance company. And if your insurance company’s claims adjuster ultimately does not offer you the full amount of financial compensation that you require to heal, then you must fight even further to earn what you deserve. This may be done by retaining the services of a public adjuster. Read on to discover the key differences between a claims adjuster and a public adjuster and how a seasoned New York City public adjusters attorney at The Law Office of Craig A. Blumberg can help you in your fight for compensation.
What is the difference between a claims adjuster and a public adjuster?
Put simply, a claims adjuster will be sent by your insurance company to examine the damages to your property and decide on the amount of financial compensation that is required to cover its costs. However, insurance companies are notorious for offering amounts that are much less than what a policy provides. Or sometimes, they will deny property damage claims altogether. After all, they are operating as businesses that want to meet their bottom line.
So, if you believe that the amount that the claims adjuster offered you is unfair, or if they denied your claim altogether, then this is when a public adjuster will need to step in. Similarly, a public adjuster will arrive at your property to assess your damages to determine whether the claims adjuster was fair and just in their investigation. Usually, a public adjuster will offer a more neutral estimate, which may translate to a higher estimate than the original.
What services will a public adjuster provide?
On top of providing you with a fair and just calculation of your property damages, a public adjuster will provide you with the following services:
- They will evaluate your insurance policy and your rights to your claim.
- They will help you prepare an appropriate claim to provide to your insurance company.
- They will help you negotiate a suitable settlement agreement with your insurance company.
While a public adjuster can make a significant difference in the outcomes of your property damage claims process, there is still a chance that your insurance company will deny your claim. In this unfortunate event, your public adjuster will need to employ an insurance attorney. This is where our firm will step in.
Nevertheless, if you are working with a public adjuster, or if you are a public adjuster, that is having difficulties negotiating with an insurance company, then you must pick up the phone and consult with one of the competent New York property damage attorneys today.