Should I Hire a Public Adjuster to Help with My Fire Damage Claim?

Should I Hire a Public Adjuster to Help with My Fire Damage Claim?


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fire damageIt is daunting to deal with the aftermath of a fire by yourself. When you have fire damage, you have to deal with:

  • Fire damage claims process
  • Inspections
  • Cleaning
  • Repairs
  • Rebuilding

Plus, this would all be on top of the emotional toll of loss and taking care of your family. This can easily overwhelm you. A public adjuster can help lower your stress level.

What is a Public Adjuster?

Public adjusters are independent insurance professionals that policyholders can hire to help with insurance claims. They have technical expertise and ability that allows them to interpret ambiguous insurance policies. Plus, they help property owners receive the most for their claims.

Primarily, public adjusters prepare detailed cost estimates of loss and repairs. They can back up their estimates thanks to their contacts that are experts in:

  • Remediation
  • Toxicology
  • Construction engineers

Public adjusters also provide interpretation as to what is and is not covered by the insurance policy. Finally, they will also negotiate with your insurance carrier for you, so you have a fair settlement.

Why Hire a Public Adjuster for Fire Damage Claims?

An insurance company’s goal is to minimize the amount you receive from a fire damage claim. Having a public adjuster will level the playing field so you receive everything you’re entitled to under your insurance policy.

Some things the public adjuster can do for you are:

  • Damage appraisal
  • Inventory preparation
  • Property estimates
  • Knowing the ins and outs of your policy
  • Prepare claim documents
  • Negotiate with your insurance company

Your public adjuster can also help if your fire damage claim is denied. They can have an independent investigator look at your damages. Then, they can file an appeal when the investigator proves that you’re not at fault for the fire. They will keep negotiating with your insurance company until your claims are settled.

How to Hire a Public Adjuster

Here are a few things to do when hiring a public adjuster:

  • Check their references and qualifications
  • Ask your family and associates for recommendations
  • Ensure that they are licensed in your state
  • Call the Better Business Bureau to check their record
  • Avoid public adjusters that pressure you into a contract
  • Read your contract carefully before signing
  • Know the facts after a major disaster
  • Be wary of public adjusters going door-to-door after a catastrophe

Public adjusters do not work for insurance companies. They work for you. You have a common goal: getting the most out of your fire damage claim so you can start on the rebuilding part of the process. That way, you can return to your normal life.

If you’ve suffered a loss due to fire, give Aftermath Adjusters & Consulting a call. We are here to help with your fire damage claim and will work to get you the highest payout possible based on your claim and insurance.

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