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What is a Public Adjuster's Responsibility?


Public Adjuster NYC - Affiliated Adjustment Group - New York

Imagine this: your building suffers major damage from a fire. You're stressed, displaced, and facing a mountain of paperwork with your insurance company. This is where a public adjuster swoops in to save the day!


Who is a Public Adjuster and Why Would You Need One?

Unlike an insurance adjuster who works for the insurance company, a public adjuster is your personal advocate. They're trained professionals who ensure that you receive fair and just insurance loss recovery for your covered damages, whether they are residential or commercial claims. 


They are the ones who are on your side when it comes to insurance negotiations. Here's what they can do for you:


Assess and Estimate Property Damage

Public adjusters carefully assess the damage, uncovering every detail and creating a detailed report. They'll estimate repair or replacement costs, ensuring you're not shortchanged.  


Help Understand Your Policy

Public adjusters translate the legalese, helping you understand your coverage and maximize your benefits. They'll identify hidden clauses or overlooked coverage options that could significantly impact your payout.


Handle Claim Paperwork

From filing initial forms to meeting deadlines, public adjusters handle all the insurance claims paperwork, keeping the process organized and stress-free for you. They can also help you gather and compile necessary documents, like police reports, repair estimates, and receipts. 


Negotiate For a Fair Payout

They fight for a fair payout, ensuring you get the compensation you deserve to recover from your loss. They use their experience and knowledge of insurance settlements to present a strong case and counter any lowball offers from the insurer.


Communicate Effectively

Public adjusters act as your liaison throughout the claim process. They communicate effectively with your insurance company, appraisers, contractors, and any other parties involved. This ensures everyone is on the same page and the claim progresses smoothly.


Inventory Advocate

In the chaos of a disaster, it's easy to forget damaged or lost belongings. Public adjusters help you create a comprehensive inventory of your damaged or lost property, ensuring you don't miss out on compensation for these items.

 

When to Call in Your Insurance Claim Advocate?

Public adjusters are particularly helpful in situations like:

  • Large or Complex Insurance Claims: Facing a large or complex claim, like a fire or flood? A public adjuster can be a valuable asset.

  • Uncomfortable with Insurer's Assessment: If the insurance company's assessment seems off, a public adjuster can get you a second opinion.

  • Lost in the Claim Process: Dealing with a complicated claim process? A public adjuster can guide you through the maze.

 

Public Insurance Adjuster vs. Independent Insurance Adjuster: Know the Difference

Don't be confused by the term "independent adjuster." These adjusters actually work for the insurance company, not you. A public adjuster is always on your side!


Remember, you're not alone in the insurance claim journey. By hiring a public adjuster from the Affiliated Adjustment Group, you can level the playing field and get the fair compensation you deserve for your property damage and insurance loss recovery.

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