11 Questions you should ask a Public Adjuster in South Florida
When hiring a public adjuster it can be hard to know how to choose and which ones would be a good option for you. It is important to understand their work as this person is going to be working for you. This is why it’s important to ask the right questions, but which ones should you ask? Well, don’t worry, because we’ve made a list with eleven questions that you should ask before hiring a Public Adjuster.
Why hire a Public Adjuster?
Before we get to the questions, you might be wondering yourself. Why hire a Public Adjuster? If your home or business is damaged, you will need to make an insurance claim, which means that you’ll need to provide your insurance company with an estimate of the damages. If the claim is very large, or if the insurance company thinks they can get away with paying less, they will send an insurance adjuster to draw up their own estimate.
In the case this happens, you have a few options. You can accept what the insurance company is offering, you can sue the company or you can hire a Public Adjuster to make a counteroffer.
Let’s go through the options!
Accept the company’s offer: This isn’t always a good idea, as in some cases they will ask you to settle for far less than the actual cost of damages. If you decide to sue the company in the long run it could be more expensive than the damages. As these companies have teams of corporate lawyers, and you’ll end up spending more money on the legal case than repairing the damages. Finally, getting a Public Adjuster will help you get a better settlement and you won’t have to pay out of your pocket.
How long have they been in business?
This question is not about steering away from anyone that’s new to the business. But it is important to see if they have previous experience working with another firm or clients. If not, that is the moment to steer clear. Express Public Adjusting has over 20 years in experience. Understanding the field of insurance and it’s claims to a MASTERY level.
Are they part of a team or company?
Even a very well-qualified Public Adjuster that works by themselves can only know so much. Being able to work with a team or company helps them expand their knowledge and help each other out for better results for their clients. That’s why Express Public Adjusting continues to be so successful. Our office staff & adjusters work hand in hand to not only provide the BEST results, but the fastest.
Are they licensed?
An unlicensed Public Adjuster isn’t just breaking the law but they can also put you at risk. If they don’t have a license it is hard to guarantee that they are even competent or know what they’re doing. Our adjusters at Express Public Adjusting are both Licensed & Bonded.
Do they have experience with the claims like the one you’re doing?
There are a lot of claims they can do. Must Public Adjusters in South Florida will be experienced with hurricanes as they’re common. But there are a lot of unusual claims in the adjusting world & it’s good to know if they’ve worked with similar situations like the one you have. Express Public Adjusting is qualified and experienced at nearly EVERY type of claim that could possibly occur in South Florida. We admit, we don’t have tons of experience in winter based claims as you could imagine.
How do you pay Public Adjusters?
Public Adjusters shouldn’t be asking for an up-front fee, if they do then don’t work with them. This means that what they’re doing is unethical. A public Adjuster should get paid when you do, taking a percentage of your claim. Express Public Adjusting doesn’t get paid, UNLESS YOU DO!
Have they dealt with mortgage lenders?
Every situation is different. Depending on yours, you may still owe money to a mortgage lender. If so, they might not be patient with you while the insurance company handles the claim. A good Public Adjuster that has experience dealing with mortgage lenders can oftentimes work as an intermediary to help you deal with the mortgage lender’s demands. Express Public Adjusting has over 20 years of experience in the field, allowing us to have personal relationships with most mortgage lenders in South Florida. Our trusted and close network allows us to be some of the most expedited adjusters in the region.
Who will be in charge of preparing my claim?
This is the classic dilemma between a Public Adjuster that is working by themselves or a small team. While working with a big company you might think that you’re paying someone with a prestigious name and lots of experience but only getting freelance service. Make sure that your Public Adjuster will be personally involved with your claim. Express Public Adjusting makes sure we treat each client like FAMLY and each claim, as if it were our own.
Can I stay involved?
Every Public Adjuster works differently, some will prefer that their clients don’t communicate directly with the insurance company while others are comfortable with sharing these responsibilities with the client. None of this is wrong. It will depend on what you want and if your Public Adjuster is on the same page as you.
Can they give you references from locals?
Although most people won’t ever need a public adjuster’s services, those that do will remember it, especially if their adjuster did a good job. Don’t be afraid to ask for some references. Look for someone new if they aren’t able to provide any reference. Express Public Adjusting will gladly provide references on top of those already on Google, Yelp, and Bing!
How many claims are they handling at the moment?
Especially after a natural disaster, Public Adjusters can be overwhelmed by the large demand and big amount of claims. In cases like this, a qualified and competent adjuster may simply be too busy to give your claim the attention and focus it deserves. This NEVER happens at Express! We PRIDE ourselves in our quickly expanding team & offices! Allowing us to never be inundated with claims. Ensuring you, your home or business, and your claim, get the attention it deserves.
What are their errors and omissions policies?
Last but certainly not least. The Errors and Omissions is the insurance industry’s version of malpractice insurance. This is a way to protect you in the case that your adjuster makes a mistake that can cost you money. If they do, they’ll be able to compensate you. Every Public Adjuster that you go to should carry a policy. If they’re not willing to share this information, then it’s best to look somewhere else.
These questions should make sure that you’re steering away from anyone who could end up making more problems for you or coming short in what they need to do. Hopefully, this will help you in the case you need a Public Adjuster. If you have any more questions, contact us directly!