If you’ve ever gone through property damage that led you to claim on your insurance, then you’ve probably dealt with an insurance adjuster. They are the ones who fine comb through the details and evaluate your insurance claim on your Melbourne property and are often the people vilified for claims falling through. But what exactly is a public adjuster? Here’s what you need to know.

What is a Public Adjuster?

Public adjusters like Melbourne’s claims experts at Surfside are like other insurance adjusters but with one key difference: they work for you, not the insurance company. Their job is to support the policyholder in filing a claim or responding to what they may feel is an unfair offer from the insurer. When choosing a public adjuster, you need to be wary; public adjusters are specialized professionals and are licensed. Avoid anyone who offers public adjusting as part of a suite of services. They will not be licensed public adjusters.

Why would I want to hire a public adjuster?

Public adjusters are experts in understanding the exact language of an insurance claim and policy for Melbourne homes and properties. They are your best friend (and advocate) through the claims process. Public adjusters will have detailed experience of your case and specialized processes that allow them to perform an independent evaluation. Even if it’s as little as getting a second opinion, a public adjuster can ensure you haven’t miscalculated and therefore get the best possible claims payout.

How much does a public adjuster cost?

While individual rates can vary, most public adjusters charge a percentage of the claim won. Typically this number is around the 15% mark, and there are usually other constraints to limit how much you pay. In Florida, for example, the most a public adjuster can charge is 20% of the eventual claim total. It’s also worth asking because many public adjusters will offer to visit your property for free to give you an idea of how good your claim is

Public adjusters are experts in understanding the exact language of an insurance policy. They are your best friend (and advocate) through the claims process.

Summary

Going through the claims process is stressful enough without the worries of getting an unfair amount from your insurer. With a public adjuster, you can be safe in knowing that you have a professional on your side who will fight your insurance claim on your Melbourne home and get you the best possible result.