A public adjuster can be a valuable asset when handling a fire and smoke damage claim. Unlike an insurance company adjuster, who works for the insurer, a public adjuster works on your behalf to ensure you receive a fair settlement. Here’s how they can help:

Damage Assessment:

Public adjusters conduct a thorough inspection of your property to assess the full extent of fire and smoke damage.

They identify both visible damage and hidden issues, such as structural damage or smoke residue in HVAC systems.

Documentation and Evidence Collection:

They document the damage with photos, videos, and detailed reports.

They gather evidence to prove the scope of the loss, including soot damage, water damage from firefighting efforts, and lingering odors.

Policy Review and Interpretation:

Public adjusters have in-depth knowledge of insurance policies. They carefully analyze your policy to determine coverage, limitations, and exclusions.

Claim Preparation and Filing:

They compile an accurate and comprehensive claim that includes repair estimates, inventory of damaged belongings, and loss of use expenses.

Negotiation with the Insurance Company:

Public adjusters handle all communications with the insurer, negotiating on your behalf to secure a fair settlement.

They counter lowball offers and challenge disputes to maximize your payout.

Guidance Through the Process:

Fire and smoke damage claims can be complex and time-consuming. A public adjuster provides expert guidance and ensures you meet deadlines and requirements.

Support for Additional Claims:

If further damage is discovered during repairs, they assist in filing supplemental claims.

Hiring a public adjuster can be especially beneficial for large or complicated fire damage claims. Their expertise often results in a higher settlement compared to handling the claim alone. If you’re unsure whether you need a public adjuster, consider getting a consultation to evaluate your case.