Public Adjusting

You come home after a night out with your family and see the devastation that a fire has caused. You have lost everything, not even the structure of the home stays standing. Your losses are extensive, but no matter what the damage is, whether it is a fire, flood, or other damage, a public adjuster can help.

A public adjuster is a professional used when faced with property losses and damages. They are often the go-to person when a homeowner or business owner is left with nowhere to turn to, and often are the first point of contact for many claimants.

A public adjuster is skilled in their field and knows how to handle troublesome insurance companies. If you are unsure of why you should hire a public adjuster when there are so many other options out there for you that you may feel more comfortable with, then we hope that the following information gives you reason to turn to or maybe consider a public adjuster for your current needs.

Hiring a Public Adjuster for These 5 Reasons

These are the five most essential reasons to hire a public adjuster to fulfill your needs after having suffer a major loss:

Arguing your claim: Having someone who can argue your claim against the insurance companies is vital for your claim. You want the best settlement for your claim, right? You want the most out of it? Well then you need a Miami Public adjuster on your side.

Skills and expertise: Handling of a cryptic policy is not as simple as solving a math problem, which is why you need a public adjuster because the average person cannot learn those jargons from one day to the next.

Mistake-free: Dealing with a property loss is tedious due to all the values that must be placed on every aspect of your home and identifying all the possessions that have been destroyed as a consequence. For that reason, avoiding mistakes is a reason that could allow you to receive the most money.

Quick payment: Generally speaking, if you were to be paid quickly you would be happy right? Of course. Anyone who suffers a property loss wants it repaired as quickly as possible but if it was a major loss, your insurance company will try to stall the process by bringing in their own adjusters to offer you the lowest possible settlement. This is where a Miami public adjuster could speed up the process and see that you are paid swiftly.

Essential contacts: An expert public adjusting firm will have a network of contacts in their grasp to ensure that your home gets repaired very quickly. They will know who to contact in order to get the best out of the loss that you have suffered, whether it is an electrician or a plumber.

Churchill Public Adjusters is Your Answer

If you want to get moving forward as quickly as possible, allow our Miami public adjusters to handle the intricacies of your claim. You will not be disappointed.

Hiring a good Miami public adjuster to come to your assistance after deciding that you need a public adjuster to help you with your insurance claim after your home has suffered damages as a result of incidents like water, floods, hail, hurricanes, broken pipes, and more, is the right call.

It is not easy finding a public adjuster that is best suited for you needs because every firm has their own skills, qualities, and assets that varies for every individual case.

One thing is certain, you can rest assured that at Churchill Public adjusters in Miami, we attempt to fulfill all of our client’s needs. We understand that every case is different and know how to deal with any discrepancies or complications that might surface. How do you find a good public adjuster? Read on to find out more.

Tips for Finding a Good Public Adjuster

The experience and qualities of every public adjuster varies. It is crucial to select a good public adjuster because they will have to manage the claim and argue your case against the insurance company. You want to make sure that you have a public adjuster that is well equipped to manage the intricacies of an insurance claim.

These are some tips to follow to ensure that you get the best public adjuster in Miami, FL:

• Acquire referrals:  Go to the National Association of Public Insurance Adjusters to find adjusters that are in your area.
• Ensure licensing exist: Typically, licenses can be verified online, but you have to ensure that the public adjuster that you choose is licensed to practice in your state.
• Watch for complaints: You can go to Better Business Bureau to see if there has been any complaints against the specific public adjuster that you intent on hiring.
• References: Attempt to attain some references, at least three.  Do not feel shy to ask for them.
• Avoid upfront fees: Learn the fees and understand what the contract says before hiring any public adjusters. You don’t want any surprises or them telling you: “Well, it’s in the contract”.
• Understand contract: Scam artists exists, especially during the most needed times like a natural disaster. Do not go to anyone who is forcing you to sign a contract or demanding that you pay them upfront. Those are usually the scamming artists.

Follow these suggestions to make sure that you hire the best possible Miami adjuster for you. We want you to succeed.

Public adjusters are crucial components for property damage claims. They often play the role of investigations in collecting evidence that will be used to manage your claim. They are the middle person in between the insurance company and you, the policyholder. They are masters at negotiating and compiling evidence. They spend their time, resources, and professionalism ensuring that their clients have a successful claim. Our Miami Public adjuster firms wants to ensure that their clients are handled properly.

Typically, to become an entry-level public adjuster, you just need to have a background in mathematics and above average communication skills. Although, a bachelor’s degree might be required for higher level positions, nor formal education is needed, but the licensing requirements for that specific state must be met. This chart below shows the salary and job growth within the next few years, provided by the U.S Bureau of Labor Statistics.

Required Education

High school diploma or equivalent for entry-level; bachelor’s degree for advancement

Other Requirements

• Meet state license or certification requirements
• Projected Job Growth (2014-2024) 3% for claims adjusters, examiners, and investigators*
• Median Salary (2015) $62,980 for claims adjusters, examiners, and investigators*
  Source: *U.S. Bureau of Labor Statistics.

Public adjusters must be assertive and persuasive. Without certainty, professionalism, and expertise, a claim can crumble. They are the main point of contact for any claim done with an insurance company on your behalf. Make sure you choose a public adjuster that knows their stuff.

In addition to their role with insurance companies, they are also in communication with professionals to fix your home like plumbers and roofers. They work closely with those professionals to ensure that the damage that has been done to your home is quickly assessed and repaired.

We Play An Important Role For You

As public adjusters, our main goal here in the Miami Firm of Public adjusters is to quickly evaluate your case, seek out a plan of action, and perform that action. We don’t go half way. We want to ensure that your claim gets professional help. Do not worry about what can be, or what will happen. Just know that in our hands, everything is possible. We guide the way for you.

There will be times that you may not need a public adjuster because the damage is so minimal that hiring one wouldn’t make sense, but when the moment arises that you are in need of one because you can’t sort it on your own, you should understand the fees and structure associated with an expert public adjuster in Miami.

Before anything, you must decide whether you need a public adjuster. Whether it is because you don’t have time to manage the claim yourself, you don’t comprehend the complexity of your policy, your insurance company is giving you issues, or you feel more confident having an expert by your side. Then consulting a public adjuster is highly advisable. Your policy will be studied inside and out by your selected public adjuster.

What Should They Charge for Their Services?

There are a variety of ways that the fees associated with your claim can be charged by a public adjuster. Before entering in any contract with a public adjuster, you should know which rate they charge and if you don’t agree, try to settle for a different type of rate. These are the possible ways that a public adjuster can charge you:

Contingent fee

This way is among the most used by public adjuster. A contingency fee is when a percentage of your settlement claim, typically, not more than 20% in Florida for non-disaster related, and if it is as a result of a disaster, not more than 10%, goes to them after you have won your claim. In other words, you don’t get charged anything upfront. They won’t get money until you have won.

By the hour

Despite it being the least favorable way of charging you, there are some that will elect this method. The range of the hourly rate will depend on what state you are situated in, the amount of experience they have, and your policy coverage. They should be able to predict the number of hours they will take.

Flat rate

A flat rate may be charged when your public adjuster sees a very clear outcome in a simple case.

It is always wise to watch out for scammers. There are many out there. But for the majority of cases, most public adjusters are competent and honest with their work. Our integrity and will to succeed here at our Miami Public adjuster firm is what makes us prideful of the work we do for all of our clients. We restore homes and lives.