The Art of Mastering Businesses

July 10, 2019 @ 5:31 pm

Should You Hire a Public Insurance Adjuster as a Policyholder for Your Claims

If you are a homeowner or property owner such as a car owner and the like and you happen to have these insured, in the event that you suffer loss of these through risks like theft and fires, you will most definitely want to file an insurance claim for the loss. And when it comes to these times when you have to make a claim for such, chances are so high that you would be working with an insurance adjuster who will be assigned to the case and would be tasked to assess the damage and come up with what it is that is to be paid for.

In as much as it is a fact that filing an insurance claim has such effects of being burdensome and will as well as well have the potential risk of increasing your insurance rates going forward, a number of the policyholders often opt to file for a claim in the event of an accident or some other kind of disaster that they may have insured against and as such pay the deductible instead of taking on the whole burden of the loss that follows.

When starting the claim process, this begins with contacting your insurance carrier via your insurance agent to whom you will give all the details of the incident. After this is done, the next step will be to get an insurance adjuster who will be assigned to the particular claim. Basically, looking at the entire claims process, working with the insurance claims adjusters is the most important one by far and large.

This is the professional with whom you will be dealing with most during the entire process of the claim. Looking at the types of claims adjusters, there are basically three types of adjusters and these are the company adjusters, the independent adjusters and the public insurance adjusters. The company insurance adjuster and the independent adjusters share a common feature in the fact that they are affiliated to the insurance company by virtue of some agency relationship, working for the insurance company or hired by them.

But looking at the public insurance adjusters, these are equally independent adjusters but they are not hired by the insurance companies but are hired by the policyholders. Generally, they work for the policy holders. There are quite a number of reasons why many policyholders filing for claims choose to hire the public insurance adjusters for their needs even in the face of the fact that they would charge for their services which means an extra cost to you as a policyholder while the independent and the company insurance adjusters will cost you nothing as a policyholder.
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