When a hurricane strikes, it can wreak havoc on homes and businesses, causing extensive damage and loss. For many property owners, navigating the insurance claim process can be an overwhelming task. This is where public adjusters can come into the picture, assisting policyholders in evaluating their insurance policies, assessing damage, and negotiating claims.

However, like any professional service, hiring a public adjuster comes with its own set of advantages and drawbacks. ServiceMaster Remediation Services has compiled them for you.

The Pros of Hiring a Public Adjuster After a Hurricane

✔ Expertise and Experience: Public adjusters are experts in interpreting insurance policies, which can often be full of confusing jargon and complicated clauses. They have a deep understanding of the insurance industry, and they know the ins and outs of the claims process. They also have experience in dealing with insurance companies and are adept at maximizing insurance payouts.
✔ Saves Time and Reduces Stress: Dealing with the aftermath of a hurricane is stressful enough without the added burden of filing an insurance claim. Hiring a public adjuster can relieve homeowners and business owners of this task, allowing them to focus on rebuilding their lives.
✔ Advocate for the Policyholder: A public adjuster works for the policyholder, not the insurance company. They advocate for the policyholder's interests, ensuring they receive a fair and equitable settlement.

The Cons of Hiring a Public Adjuster After a Hurricane

✔ Cost: Public adjusters charge a fee for their services, usually a percentage of the claim payout. While this fee is often offset by a higher payout, it is still an additional cost that policyholders must consider.
✔ Potentially Unnecessary for Smaller Claims: For minor damage or straightforward claims, hiring a public adjuster may be unnecessary. Insurance companies often handle these claims quickly and fairly, without the need for a third-party negotiator.
✔ Scams: Unfortunately, there are some fraudulent individuals posing as public adjusters who take advantage of victims after a disaster. Property owners must do their due diligence in researching and hiring a reputable, licensed public adjuster.