Keeping emotions out of the insurance claims process can be difficult. When your home or property is damaged, you’re undoubtedly going to experience feelings of loss and anxiety. Then, to top it all off, you’re faced with filing an insurance claim and dealing with all the components that come along with the process.
But if you’re faced with a staggering loss, you don’t have to go at it alone. Hiring a public insurance adjuster to guide you through the claims process may be in your best interest. Approaching your insurance company without a clear mind can lead to miscalculations and mistakes on your part, resulting in a less-than-ideal settlement. Having a public adjuster on your side can help ensure nothing slips through the cracks, all while easing the burden of filing and negotiating the claim with your insurance company.
Public adjusters are licensed professionals that work on the behalf of the policyholder when they need assistance filing an insurance claim. Public insurance adjusters have no relationship with the insurance company and work solely on behalf of the client. They will closely study your policy, inspect the damage to your property and negotiate with your insurance company with the ultimate goal of securing the best possible settlement amount.
Though the insurance company will send their own adjuster out to evaluate the damage to your property, they are likely to have the company’s best interest in mind, rather than your own. Public adjusters often have experience in construction or a related field. Because of this, they may catch things that can slip by the insurance company’s adjuster while evaluating your loss. Public insurance adjusters have interpreted hundreds of insurance policies, developing a strong grasp of the terminology used by insurance providers.
Though public adjusters are hired professionals and therefore get paid by the client, many public adjusting firms, including K-Factor Advocates, have no out-of-pocket cost. These firms typically receive a percentage of the settlement claim, so they are motivated to get you the highest settlement amount possible. Hiring a public insurance adjuster often comes with little to no risk, because you’re likely to receive more money than you would with the insurance company’s adjuster alone, not to mention the service the firm is providing by easing your burden and expediting the claims process.
The bottom line is this: Your insurance company, though they are willing to pay for your damages, will still be looking out for their bottom line. Hiring a public insurance adjuster that works for you will ensure your best interest is at heart throughout the claims process.
ABOUT OUR TEAM
If you’re looking for a public adjuster in Montana, K-Factor Advocates has a skilled team of professionals that specialize in insurance claim negotiation, policy language and interpretation, and claims estimating. The K-Factor team has helped hundreds of clients navigate the challenges of the claims process, securing fair settlements in order to restore their damaged property.