When I got my kids a dog, I had no idea that it could affect my homeowners insurance. I happened to run into my insurance agent in the store when I was buying dog food and he asked me what kind of dog we had. When I told him, he said I should stop in the office the next day. I had no idea that things like this could affect premiums, so I started asking what else could do it as well. I created this site to help others understand some of the finer points of homeowners insurance and what they should think about to manage their rates.
If you are in the process of filing an insurance claim or if you are planning on doing so soon, you might have heard that it's a good idea for you to hire a public claim adjuster to help you. However, you might not really think that it's necessary for you to do so, and you might have a lot of reasons for why you're planning on skipping hiring a public claim adjuster of your own. These are a few excuses that you should not use.
1. "I Can't Afford It"
Many people assume that they cannot afford to hire a public claim adjuster. Luckily, though, many of these hardworking professionals offer their services for very affordable prices. Typically, they will not get paid if you don't get a payout from your insurance company, and they'll only get paid when the payout is received. This can make things easier for you if money is a little bit tight. Plus, it pays to think about how much you might be financially impacted if your insurance company does not cover the claim. When you think about it that way, you will probably see that you can't really afford not to hire a public claim adjuster.
2. "The Insurance Company Already Has Insurance Adjusters"
You might assume that you don't really need to hire a public claim adjuster because your insurance company probably has plenty of them on their staff. However, you should remember that there is always value in hiring a claim adjuster who works for you instead of working for the insurance company.
3. "My Insurance Company Will Take Care Of It"
You have probably been faithfully paying your insurance premiums for months or years without having any claims, and you might have been loyal to the same insurance company for a long time. Because of this, you might really trust your insurance company, and you might assume that they will pay out your claim as they are supposed to. However, you should be aware that there are many situations in which insurance companies attempt to get out of paying for their clients' claims completely or when they only offer to pay a small amount of what they should be covering. Don't just assume that your insurance company will do the right thing, no matter how long you have been with them. Instead, consider working with a public claim adjuster who can help you ensure that your insurance company pays out the claim as they are supposed to, based on the amount of property damage that you are dealing with and the insurance policy that you signed when you purchased your policy.
Share20 July 2020
