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Why You Should Not Speak to Insurance Companies Officially without Your Adjuster?
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Why You Should Not Speak to Insurance Companies Officially without Your Adjuster?

Last Updated on March 9, 2021 by Admin

You may have bought insurance policies to have a feeling of safety, but in your mind, you might think, what if you don’t get the proper compensation you’ll need if something unfortunate goes down. The thing is, your fear of not getting appropriately compensated by your insurance company is not baseless at all; instead, it is completely reasonable.

Insurance companies mostly try their best to settle with a way less amount than you actually deserve when it comes to giving you the insurance money, and that’s why you need to be fully prepared when you are about to face your insurance company after something happens.

When you are about to contact your insurance company and start the negotiation for insurance money, you should not start it right away.

You need to take care of a few things first, and hiring a public adjuster must be the foremost thing to do. In fact, you should not speak to your insurance company before hiring the adjuster, and after you hire them, let the adjuster do all the talking.

They will negotiate with the insurance company on behalf of you and try their best to bring out the best possible outcome for you.

Why You Should Hire an Adjuster Beforehand

When you go for an insurance policy, the insurance company offers a set of benefits, and along with the compensation, they also provide an adjuster who will be on your side. However, an adjuster offered by the insurance company is really less likely to be on your side.

Instead, they’ll be on the side of the insurance company. Without making you understand, they’ll create an illusion that you don’t need or deserve as much money you expect, and the settlement insurance company is offering is fair. Things become way more complicated in terms of complex claims like fire and smoke claims.

And don’t forget that whenever you are filing a case for insurance money, both you and the company are up for going through a long line of rules, guidelines, policy procedures, etc.

But while the insurance company will have highly trained individuals to handle the claim by protecting their interests, you won’t have anyone with proper understanding and training who will be solely on your side.

Moreover, the insurance company will never advise you to go for an independent public adjuster instead of their provided one, as it will make the chance of having their preferred settlement way thinner.

The reasons for you to hire a public adjuster before contacting the insurance company can be manifold. Some reasons are:

Helping You Understand All The Parts and Clauses of the Insurance Policy

Public adjusters are well trained in the matters of insurance policies, and they understand policy language really well. In fact, they have to get licensed before they can start working as an adjuster, and they need to go through proper training for that.

And since they are registered, you can have your complete trust in them, and in no way they will have anything other than your best interest in their heart. You should know that it will serve them better too if you get a better settlement.

After you hire the public adjuster, they will make sure you understand all the parts of your insurance policy and properly know everything there is to know before facing the insurance company. They will warn you too if there is something to get warned about beforehand.

Taking the Burden off Your Shoulder

During a crisis, it is necessary and important for you to be there for your family, take your time and work hard to restore your house and the other things that have been damaged, and finally get back to your normal life. Amidst all that, things can get really hard and hectic if you have to deal with the insurance company too.

But an independent adjuster will take that burden off your shoulder and take the matter in their hand from the very start, and you won’t have to get tensed about anything at all. They will deal with everything the insurers send your way.

Letting the Adjuster Measuring Things Properly

If you hire an adjuster at the very start, they can measure the value of the stuff that got damaged and find out what exactly has happened and how much that will cost you. Finding out the exact amount you need is a crucial part of the process, and an adjuster can help you with that perfectly.

Preventing Early Settlements

The insurance company might want to take advantage of your situation and want to go for an early settlement while you are too distracted to know what’s happening. An early settlement can cost you highly, as it is most likely that they will go for a settlement with a way less amount than your claim. You need an adjuster from the very start to prevent that from happening.

Final Words

An adjuster will help you throughout the whole insurance claim process, and you can hire them anytime during the process.

Hiring them after you have hit a bump in negotiations with the company might not be much beneficial. Instead, hire them in the beginning, before you have even contacted the insurance company.

They can help you with the whole thing and ensure the aforementioned services that are really crucial during the settlement process.

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