Gerri Willis’ mid-September Five Tips columns revolved around five tips for sorting out your home insurance claim and for anyone who has never gone through this, it’s important for you to understand these tips before you need to - here is the fourth tip.
Tip #4: Consider an independent adjuster
Before you start the claims adjustment process, you always have the option of calling in a public adjuster that can help you fill out the insurance claim and prepare proof of loss statements on your behalf. If things aren’t going well with the guy that the insurance company sends, you can always turn to your independent adjuster for assistance. One important thing to realize is that public adjusters charge between 5-15% of your settlement and so they do have your best interests at heart because they’re taking a piece.
All adjusters will have a license for the state they’re operating in, so be sure to request proof of that license by contacting your state’s insurance department or look them up in the National Association of Public Insurance Adjusters (NAPIA) . The adjuster will be familiar with the claims process, what you can claim and what you cannot, and sometimes that means that even after their 5-15% cut you will still come out ahead - so it’s definitely worth looking into if you get push back from your insurance company.
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