You probably know what insurance adjusters are. These professionals visit a damaged home or commercial property, assess the extent of the destruction, and then put a dollar value on your total loss. Your insurance provider then pays out your claim based on that valuation. But insurance companies aren’t the only entities that make use of adjusters. There’s also such a thing as a private adjuster, even though over 90 percent of the American public has no idea who these people are, how they differ from insurance adjusters, and why they really should be using these individuals for valuations. So let’s take a look at these critical questions.
Public adjusters perform the same basic valuation tasks as insurance adjusters. They go through the damaged property with fine-toothed comb, creating detailed reports that include the items that need to be replaced (drywall, roofing, et cetera), the amount of square footage involved for each item, the unit cost, and the total itemized cost. The big difference — and it really is huge — is who they’re working for. Insurance adjusters are working for the insurance carrier; so are the independent adjusters often hired by these companies as consultants. Their goal isn’t to support your claim, but to undermine it by lowballing the losses as much as legally possible. You can count on the figures from these adjusters to represent the least you should receive.
Public adjusters work for you, not the insurance people, and that means their goal is the opposite of theirs. Their reports reflect true, honest repair and reconstruction costs. When you subscribe to DOP VIP, you’ll have access to public adjusters who will visit your property and create a claim quote that actually allows you to rebuild with the right materials and contractors. (Oh, and we supply the contractors, too.) Contact us to learn more!
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