What is a public adjuster?
A Public Adjuster is a licensed and trained specialist that adjusts insurance claims for homeowners, commercial property owners and businesses. Public adjusters are insurance adjusters who work solely for the policyholder and not the insurance company on a particular claim. You can hire a Public Adjuster to represent you regarding your claim and we often recommend this for our clients. When policyholders have sustained damage or a loss to their property, the insurance company has to fulfill certain obligations under the policy and they are not in the business of rewarding homeowners, business owners, or property owners who have a valid claim.
Public Adjusters offer their expertise and advocacy in getting the most out of your claim. They can relieve you of the intricacies and complex procedures that come along with filing a claim and the entire claims process. Additionally, they offer experience and knowledge in preparing, estimating and presenting your claim. They can assist you in getting everything you are entitled to under your policy.
No home or business owner expects disaster to strike.
Losing all or even part of your home or business to fire, flood, tornado or other types of catastrophes is perhaps the worst crisis you will ever endure.
You may feel overwhelmed, confused, vulnerable. Knowing where to turn for direction is your most important decision!
( THERE IS HOPE)
A licensed professional claims advocate will review, prepare, negotiate and successfully settle your insurance claim for maximum benefits. They are with you every step of the way until your back in your new home or business. We will protect you through any coverage disputes or insurance claim problems that could otherwise lead to a denied insurance claim, which is more common than you might think.
BenchMark Loss Consultants have over 125 years of combined insurance experience handling losses around the globe.
BenchMark Public Adjusting Group will review your policy and your loss free of charge with no further obligation to take further action. We are sure once given all the facts, you will be able to make the best and most educated decision about how to move forward.
Why do I need a public adjuster?
In today’s complicated world, specialty professions are becoming more and more a necessary. Most people are extremely busy with their everyday life and do not have the time to deal with the intricacies of putting a claim together and bringing it to fruition. Perhaps the best analogy would be that few people would ever appear in court representing themselves against experts in matters of law; therefore, it stands that you would not fair well representing yourself against experts in matters of insurance. Particularly when the threat of a coverage dispute leading to a denied insurance claim can be disastrous.
When is the best time to get a public adjuster involved?
The best time to contact a public adjuster is as soon as the claim happens. We have resources available to comply with policy conditions and begin the mitigation and protection process of property immediately. This eliminates the possibility of failing to comply with policy conditions, which can be used to diminish, dispute, even deny a claim. Don’t let an insurance claim problem destroy everything you’ve worked so hard for.
What are the benefits of using a public adjuster?
Public adjusters are experts in the field of policy interpretation, coverage application, building estimates, contents inventories, business interruption and additional living expense claims. This expertise allows a policyholder to maintain their everyday life and not miss work in order to do inventories, compile data, meet adjusters, and experts etc. Public adjusters are often able to review a policy and find coverages for which many people are unaware exist. This allows for the policy holder to make claim for losses and/or recover for losses that they otherwise may miss.
Why not use my attorney instead of a public adjuster?
Attorneys are seldom necessary with respect to the preparation, estimating, presentation and negotiating of a claim. Attorneys, on average, charge a 1/3 fee for their work while public adjusters charge, on average, a 10% fee for their work. Additionally, attorneys are experts in law, statutes, procedures etc. whereas public adjusters have the expertise in policy review, claims preparation, negotiation, settlement, etc.
Will my insurance company get mad if I hire a public adjuster?
Most insurance companies welcome a public adjuster on the claim. Often times insurance company adjusters are completely inundated with work and are unable to spend the proper time explaining procedures. With a public adjuster handling your claim, it is our job to convey all of the conditions and procedures to you which takes the burden off of the insurance company adjuster. Additionally, insurance company adjusters understand that public adjusters know how to put a claim together and they can expect a proper submission in a timely manner.
What is the difference between a public adjuster and an insurance company/independent adjuster?
A public adjuster represents the interests of a policy holder and will research a policy to maximize your damage recovery. An insurance company adjuster represents the insurance company and has no legal duty to advise you on how to maximize your benefits under your policy.