Signs you should hire a public adjuster for your claim
October 12, 2021at7:00 AM
by Delaware Valley Public Adjusters
It can feel like an uphill battle anytime you have to file a claim with your insurance company. There’s often going to be pushback with what feels like miles of red tape. If you’ve never filed a claim before, the process can feel overly complicated and tedious and it’s not uncommon to want to give up on it. With help from a public adjuster in the Philadelphia market, it can be much easier from start to finish. If you’re not sure whether you need to hire an adjuster, our team at Delaware Valley Public Adjusters has five signs that you should.
You need help understanding your policy’s language.
Insurance policies are often filled with technical language that’s unique to the insurance industry so you shouldn’t feel bad if you don’t understand what you’re reading. However, not understanding what’s in your policy can make it difficult to get the full benefit that you’re entitled to. A public adjuster can help explain the technical terms that are used to create stipulations and loopholes in your policy, which are typically designed to protect the insurance company.
You aren’t confident filing your claim on your own.
There’s a lot that goes into filing an insurance claim. This process can be difficult if you don’t know what you’re doing as there’s going to be documentation and paperwork that needs to be submitted. Your adjuster can walk you through the process by letting you what information needs to be gathered and from where. They’ll verify the documentation that you’ve gathered then submit the claim to your insurance company for you.
Your insurance company isn’t responding to you.
Something to keep in mind when filing your insurance claim is that your carrier is trying to make money for their shareholders, not policyholders. This means that they’re going to try to minimize the benefit that they pay out, which can result in the company dragging its feet to process your claim and fulfill your benefits. When you hire Delaware Valley Public Adjusters, you’ll have an experienced advocate on your side throughout the process who will work directly with the insurance company to maximize your claim.
You don’t have time to do it yourself.
As we’ve mentioned, filing an insurance claim can be a long and drawn-out process. This can be a problem when you have a busy schedule because you can’t give your claim the attention that you need. When you hire an public insurance adjuster, you can essentially set it and forget it because they’re going to do most of the legwork and heavy lifting for you. Of course, if they need information from you, your adjuster will need to reach out, but you won’t have to think about the day-to-day items of filing your claim.
You don’t think your claim is being paid correctly.
Based on the policy that you’ve been paying for and the estimate provided by an adjuster, you usually know how much money you should be getting from the insurance company. Even with this information, 99% of claims are paid out incorrectly. This could be the result of the insurance company’s adjuster lack of construction knowledge, the software being used purposely set to lower dollar amounts, or just pure laziness on the part of your carriers employees. While it’s not right, many companies can get away with it because of the extra effort that it takes on behalf of the policyholder to research the problem and make it right. If you feel like your claim hasn’t been paid out correctly, or your contractor is telling you it will take more money to make the necessary repairs, speak with a one of our licensed public insurance adjusters so you can file a new claim and make it right.
Get in touch with our adjusters.
If you feel like you need a public adjuster in the Philadelphia market, reach out to our team at Delaware Valley Public Adjusters. We’re experienced adjusters who can help you get the compensation you deserve from your insurance company. Give us a call at 856-975-5275 or send a message using our online contact form to get started. We look forward to working with you.