When you file a claim on your home insurance policy, an insurance company representative will review your claim and estimate payout according to the damage. Unfortunately, these payouts are often much lower than you would expect and you feel like you should be entitled to more.
The solution that you seek is hiring public adjusters in Long Island. Before you do, you need to know just what a public adjuster is and how you can benefit from hiring one.
What is a Public Adjuster?
Based on the severity of the loss and the coverage included in your policy, an insurance claims adjuster will evaluate your claim and calculate your payout. This adjuster is assigned to you through the insurance company that holds your policy. At times, it is in your best interest to hire a public adjuster during this claims process.
Like a claims adjuster, public adjusters Long Island assess the damage done to your property, work to determine the scope of the necessary repairs, and estimate the value of the repairs. The adjuster will receive a percentage of the payout once the claim is settled. Keep in mind that your insurance company will not consider this payment when determining the amount of the payout, but instead, it is your responsibility as the homeowner to pay the adjuster.
When to Hire a Public Adjuster
There are a number of different situations where you would benefit from public adjusters in Long Island. For example, if you have no time to tackle the stressful claims process the adjuster will take care of everything for you. It is also a good idea to have an adjust look closely at large claims to ensure that nothing is overlooked. Finally, if you had previous poor claims experiences an independent adjuster will make your payout the priority without conflict.