When to Call a Public Adjuster: Signs Your Insurance Claim May Be Undervalued

Filing an insurance claim after property damage can be overwhelming, especially when dealing with commercial claims or complex losses. Many policyholders assume that the insurance adjuster assigned by their insurer will always act in their best interest — but that’s not always the case. Knowing the signs your insurance claim may be undervalued can protect your assets and ensure you get the settlement you deserve. If you’re noticing discrepancies, it may be time to contact a public adjuster for expert representation.

Your Insurance Adjuster Offers a Low Initial Settlement

One of the clearest signs that your claim could be undervalued is when the insurance adjuster presents a settlement offer that doesn’t align with the documented damage. This is common in both residential and commercial claims, where the full scope of losses — including hidden or secondary damage — is not fully accounted for.

Insurance companies are businesses, and their adjusters may prioritize minimizing payouts. A public adjuster, by contrast, works exclusively for you and thoroughly assesses your property damage to ensure all losses are fairly evaluated.

There’s Confusion Over the Scope of Property Damage

Property damage often includes structural issues, business interruption costs, and loss of personal or business property. If your insurer’s assessment misses any of these elements, you could be significantly underpaid. For example, water damage may have led to mold or electrical issues that aren’t obvious at first glance.

A public adjuster brings expertise in identifying both visible and subtle damage, ensuring nothing is overlooked during the claim process.

Your Claim Has Been Delayed Without Clear Explanation

Unnecessary delays can be a red flag. While insurance companies are required to investigate claims in a timely manner, some claims get stalled without a reasonable justification. If you’re repeatedly asked for the same documentation or your adjuster is unresponsive, consider bringing in a public adjuster who can communicate directly with the insurer on your behalf.

Complex Commercial Claims Require Specialized Knowledge

Commercial claims often present unique valuation challenges, including business interruption, inventory loss, and equipment breakdown. These specialized areas often require a deeper understanding of industry standards and financial impacts. If your current insurance adjuster lacks experience with commercial property damage, your settlement might not reflect the full extent of your losses.

Professional Public Adjusting Support NY

Understanding when to call a public adjuster can make a significant difference in the outcome of your insurance claims. If you suspect your property damage settlement doesn’t match the true value of your loss, it’s time to get expert help. Contact the team at Affiliated Adjustment Group today to learn more!