Stone Claims Group is a team of public insurance adjusters, specializing in complex commercial claims. We possess years of industry expertise and the results we have accomplished so far prove our depth of experience. Our team is ready to work on your insurance claim from the moment damage occurs to help you push claims investigation to maximum limits. We utilize the latest technological advances while taking advantage of our close relationships with forensic experts to help you achieve optimum results. Call us today for a free claim consultation.
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When you file a homeowners insurance claim, your insurer will send out an adjuster to evaluate damage and determine a claim payout. Under the best circumstances, your payout will be based on the cost to repair or replace a damaged structure or property.
But what if you feel it’s not a fair payout? Or what if you’re not sure what’s covered under your policy or whether the insurance company adjuster was thorough enough?
A public adjuster can help you with the claims process and ensure that your payout is fair and an accurate reflection of the damage and your coverage.
What Is a Public Adjuster?
A public insurance adjuster is an independent trained insurance professional that helps individuals with the homeowners insurance claim process.
Unlike an insurance company adjuster, a public adjuster advocates exclusively for policyholders, says Tim Cornett, president of the Florida Association of Public Insurance Adjusters. They are licensed and trained insurance professionals.
“The financial interests of insurance companies are best served by convincing policyholders to accept the lowest compensation possible,” he says. “The financial interests of public adjusters are directly tied to the interests of policyholders to receive full and fair compensation on insurance claims.”
Cornett says public adjusters are often more thorough in their damage analysis than company adjusters. That’s because of their training and also because their loyalties are to you, the policyholder, and not the insurance company.
What Does a Public Adjuster Do?
As an independent insurance professional, a public adjuster works for the policyholder to ensure their claim is settled in a fair and efficient manner. Their role can include:
Evaluating damages and estimating the cost of and time it will take to repair or replace property or structures.
Helping you understand your insurance policy, tracking the claim, filing documents and meeting deadlines.
Acting as a liaison between you, the insurer, and any other third-parties such as attorneys or witnesses.
Negotiating with your insurance company to achieve a fair payout
When Should You Hire a Public Adjuster?
There’s no specific rule regarding when you should hire a public adjuster, but there are some circumstances that make it worth considering:
You’re filing a large claim for high-value, significant or complex damage to your home, like a fire.
You aren’t confident with the assessment performed by your insurer’s adjuster.
You feel your insurer’s adjuster underestimated your claim or that your payout isn’t fair.
You need assistance with a complex claim or the claims process.
Read More: Insurance for High-value Homes.
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