If you have had damage done to your house you need to get a public adjuster to come to your home and access the damage. This is an important part of making a claim and ensuring that all the right documentation is done to work with the insurance to get reimbursement. Here are some things you might be wondering.
What Is A Public Adjuster?
A public adjuster is a professional who knows the market value on property and belongings and who can put a value to all of the things in your house. They will walk through and determine how much the furniture is worth, how much it will take to replace the carpet, and so forth.
In addition, public adjusters assess the damage to the property. If the house was hit by an aggressive hail storm they can look at the roof and determine how much it will cost to replace, if the roof can be salvaged and so forth. Then they can give you a number to represent how much your property is worth, how much it will cost to replace things and so forth.
A public adjuster works for you, not the insurance company or any subgroup, like a constructor company. Thus, with a public adjuster you know you are getting an unbiased opinion.
When Do You Hire A Public Adjuster?
Many people wonder when they should hire an adjuster. Usually after you have had some sort of natural disaster, or a problem with your property you should hire one. In addition, if you are planning on filing an insurance claim it would be best to hire an adjuster. That way you know what you can realistic ask for and what would be fair for the insurance company to pay.
In many situations the insurance company appreciates a public adjuster coming in because it is unbiased for them as well.
Do You Have To Pay An Adjuster?
Someone has to pay the adjuster, and usually it is the person who hired them. If you had your house accessed you will have to front the bill. In some cases you might get reimbursed that money with your insurance, or if you end up filing a lawsuit you can include the cost of the adjuster in the settlement. But if you hire the adjuster you should plan on fronting the bill.
These are just some of the things you need to know about a public adjuster. For more information, contact companies like North Captiva Realty Inc.