When a hurricane or other disaster strikes, finding the right public adjusters for Miami property damage can be difficult. Luckily, there are a few key questions to ask before you hire an adjuster that will make the process run more smoothly. At Global Public Adjusters Inc, we make it our mission to provide the public with plenty of information about the industry and how they can protect themselves against unsatisfactory, and pricey, issues with their insurance providers. Here are four key questions to ask public adjusters for Miami property damage.
How long have you been in business?
An experienced public adjuster is worth its weight in gold after a disaster. They know what insurance companies look for and how to work with them to get your claim paid quickly and fairly. If they’re brand new to the field, they may not be prepared to take on complicated cases yet and could end up making mistakes that cost you money in the long run.
How much do you charge for your services?
This is a tricky one. Public adjusters are compensated by the insurance company, not their clients, so they are legally prohibited from charging their clients any fees for their services. However, insurance companies negotiate rates with them based on how much work there is to be done and how much time it will take to complete that work. The more complicated or severe your case is, the more experience the public adjuster will have working with situations just like yours. This means that experienced adjusters can often get cases approved faster than inexperienced ones because they know exactly what information insurance companies want before they ask for it. Also, keep in mind that an experienced public adjuster also has connections with other public adjusters and can often help you find a local professional in your city if theirs is busy or overbooked.
What are your hours of operation?
Public adjusters work all around the clock during a disaster. Their job is to be there for you whenever you need them, so it’s important that they communicate their availability clearly to their clients. Are they available on nights and weekends? Are they willing to talk via text or messaging apps instead of just phone calls if that makes it easier for you? It may seem insignificant, but taking the time to make sure all of these small details are clear can save a lot of stress down the road. Also, insurers are often unreachable after disasters because everyone is rushing around trying to get coverage approved as quickly as possible, which means public adjusters are often your only point of contact with the insurance company directly.
Do you have experience in my area?
This one is about more than just convenience. Different areas of the U.S. face different risks and challenges with their natural disasters, so it’s important to know that your public adjuster can handle cases involving hurricanes, tornadoes, wildfires, etc., especially if your region sees a lot of disaster activity. Public adjusters usually specialize in just one or two types of disaster per city or state, but they may be able to refer you to someone who specializes in the type of damage you’re looking for by tapping into their network of fellow professionals across the country.
If you are looking for a reputable public adjuster to help you with your property insurance claim in Miami, then pick up the phone and call the team at Global Public Adjusters Inc today.