Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

A public adjuster works with the issues you are facing full-time. Most have years of experience muddling through insurance claims. It is no secret insurance policies are complicated and difficult to understand when you do not work with them regularly. Having an expert on your side means you will have someone in your corner who understands what you are dealing with and who can direct you through filing a claim.

By hiring a public adjuster, you will have the protection you would not otherwise have. Public adjusters can prevent miscommunication and let you know if your rights are being violated. They are familiar with the techniques insurance companies use to protect themselves and can help you determine when these techniques cross a line.

Ensure Fair Value for Your Claim

It should come as no surprise that working with a public adjuster improves your chances of getting a bigger settlement. Chances are the initial offer you receive from your insurance provider is less than what you are entitled to. A Fisher Island insurance adjuster will make sure you do get what you deserve.

COVID-19 Update | LMR Public Adjusters

Due to COVID-19, we are now offering free video conference remote inspection per request.

LMR Public Adjusters is still open for business. Feel free to call us so can talk over the phone about your public adjusting needs and see how we can help you. We can guide you with our team of experts and have our lines of communication open via our website, phone number and social media channels. We hope everyone stays safe!

Testimonials

Charles B.

★ ★ ★ ★ ★

Very professional, communication was great throughoutthe process, they manage to get my 7 times more than what the insurance offered me. I'm a happy client!!!

Ariel L.

★ ★ ★ ★ ★

LMR Public Adjusters was very professional and on time. Everything was fast, and I had a fabulous experience.

Oshri A.

★ ★ ★ ★ ★

They have fast response. I never have any issues. They have great customer service.

Types of Claims

Storm Damage
Water Damage
Mold Damage
Fire Damage
Property Claims
Sinkhole Damage
Flood Damage
Wind Damage
Pipe Burst Damage
Plumbing Damage
Tornado Damage
Smoke Damage