What Does a Public Adjuster Do (Roles and Responsibilities)

When you file an insurance claim after suffering damage, whether on a physical level or with respect to your property, there are hassles that will definitely leave you overwhelmed.

Along with that, you cannot expect your insurance company to treat you fairly. They do want to provide you with financial security, which again comes with a caveat. 

That’s where you need a public adjuster by your side. Now you might be asking, “What is an insurance adjuster? What exactly is their role in your insurance claims process?”

Well, we’re here to answer this question of yours.  In this blog post, let’s explore the roles and responsibilities of a public adjuster and how they help you out in your entire insurance claims process. 

What is an Insurance Adjuster?

A public insurance adjuster is an independent professional who usually represents a policyholder. Just like an insurance company adjuster, they thoroughly review the claim filed by a policyholder to analyze and determine a logical payout.

They do so by considering the severity of the damages or injuries suffered by the policyholder and the value of any monetary loses. They also consider the terms and conditions prescribed in a client’s insurance policy to ensure fair and just compensation.

Public Adjuster Roles and Duties

• Examining the Insurance Policies:

As a policyholder, you can work with an independent claims adjuster rather than the one assigned by your insurance company. To help you out with settling the insurance, they will analyze your current policy coverage.

This analysis will help them determine the type of coverage that is applicable to your claim. Thereafter, the adjuster will investigate, offer details, and gather substantial evidence to highlight the damage and additional relevant costs.

• Navigating the Claims Process:

As there are various policies relevant to you and the parties involved, the process of filing insurance claims can be extremely difficult. This is where an experienced public adjuster from Onyx Adjusting can help you out with the required guidance and support.

They take care of the required paperwork, speed up the claims of the policyholder, and help them improve the claim recovery. In case the claim recovery for the policyholder isn’t sufficient or has some discrepancies, the adjuster will get the claims procedure reopened and renegotiate settlements.

• Spotting a Suspicious Claim:

Not every claim is created equal. An adjuster is responsible for recognizing weak claims, irrespective of their significance or level of dispute. A policyholder may not understand different terms in their insurance policy, which makes them think their claim is fully valid.

They works directly with a policyholder, not with the insurance company. They can help you negotiate the insurance claim that optimizes and speeds up your financial recovery while providing assistance with navigating the complex aspects of insurance policies.

• Protecting Your Rights as a Policyholder:

With an experienced adjuster by your side, you can analyze the insurance company’s expectations while documenting and valuing your insurance claims will provide a big benefit in case your claim gets denied.

You also get a third-party resource who can also act as a witness, if more aggressive action is necessary to get a fair and justified financial coverage.

• Ensuring Quicker Resolution of Your Insurance Claim:

If you’re looking to expedite your claims process without asking repetitive questions and start your repairs quickly, you need to thoroughly understand your claims, process the required paperwork, and communicate with your insurance company. 

This is actually where the insurance adjuster can help you out. They can contact the company and initiate the document filing, apart from just negotiating on your side. This further allows you to get the required financial coverage you need.

Additionally, the adjuster will also help you save your valuable time and resources by dealing with different claim-related issues while taking some of your time.

To Summarize

Filing for insurance claims can be very distressing, given the complexities involved in each policy. However, when you have an experienced public adjuster by your side, you will be able to ensure that your claims are processed on time and that you get the justified financial coverage to recover from losses, damage, or injuries.

Onyx Adjusting brings you a comprehensive range of insurance claims adjusting services. Our experienced adjusters are well-trained in negotiation, document processing, and guiding policyholders to get a justified settlement. Consult us now to learn more about the services we offer.