There is an old saying among the practitioners of the legal profession, “anyone who represents themselves in a court of law has a fool for a client.” This is frequently also true when it comes to negotiating a property damage claim with an insurance company as well.
When the average insurance consumer has an insured property damage loss, they frequently have no idea how to prepare, adjust or submit their claim. Most of the insurance-buying public must rely on their “Insurance company’s insurance adjusters” to do that for them. That is a huge mistake. What the average consumer does not understand is that it is the insurance adjuster’s job to present “reasonable” settlements to policyholders and claimants. The average consumer lacks the basic skills and necessary information to build the foundation upon which a claim is made. A licensed and bonded Public Insurance Adjuster or PA can pour the footings and build the walls to make that happen. Do you want a house of straw, sticks, or brick?
Company Adjusters are trained to cut corners and save their company money. With the recent news about the delay, deny, and defend tactics being implemented by some of the larger insurance companies it is obvious many companies are looking for even more ways to limit claim payments or avoid making any claim payments altogether.
When filing an insurance claim you need Public insurance adjuster in Port St Lucie Florida in your corner looking out for your interests. The objective in adjusting should be to get as good a result as possible, as quickly as possible with as little trouble-free as possible.
An insurance policy is a legal contract. An insurance claim is a request for performance under a legal contract. The problem most property owners face is not one of intelligence or determination but rather a lack of training, ability, information, and understanding. Would you hire your gardener to remove your appendix? Then why would you represent yourself in contract negotiation?
If the insurance company gets its way, only the person representing the insurance company is considered the adjuster. When this is the case the policyholder receives his or her adjustment from a loyal company employed, company paid, company inspired and company motivated adjuster.
To arrive at a fair adjusted settlement, each side needs to satisfy its own needs. The less information you have, the more likely you are to accept the needs of the insurance company as your own. To get a fair settlement you must determine and access your claim damage recovery needs. To get a fair settlement you must know your rights. A Public Adjuster can help you achieve both of these goals. If you don’t know what you need or how to ask for it you may be overwhelmed by the sheer volume of information provided or requested and surrender your needs much too easily.
No one, not even the Public Adjuster knows the outcome of a claims settlement before the adjustment begins. As such no one can anticipate to what extent either party will give in to the needs of the other. Knowledge and experience usually become the bargaining power that leads to a closed claim file. The facts usually rise to the surface as the claim is investigated. Claims adjusting should always be approached from the position of strength and knowledge that only a Public Adjuster can offer. Negotiating from a position of weakness is not an option.
Insurance adjusters facing a knowledgeable Public insurance adjuster in Port St Lucie Florida usually enter claim negotiations on a more cooperative give and take basis. With this being the case there is a strong likelihood that each will strive to attain the common goals and achieve a settlement that is fair to all parties.
The average policyholder ends up dealing with a claim at a time following a disaster such as a fire or theft. The psychological stress leaves most people in a state of confusion. This means they are not up to the task under these circumstances. It is very common to see people in a state of shock, confusion, and helplessness after a loss, especially after the death of a family member or cherished pet. A professional public adjuster should be emotionally detached from the situation and enter the claim with a level head and competent ability.
The time of a personal disaster is not the time to be thinking about all of this for the first time. Think about it now and take comfort in the knowledge that a Public Adjuster can be there to protect your interest if indeed the unthinkable happens to you.
