Not every claim will need a public insurance adjuster. In fact, there is a good chance that “most” claims will not need one. Knowing when to engage a public insurance adjuster (PIA) and when not to engage one is truly the “trick”, so to speak.
Each claim is different from the next. There are differences in cause, damage, type of damage and of course coverage, or what “is” covered under each. Engaging an experienced Houston public insurance adjuster to help you know the answer and the differences between each of these can be priceless sometimes when it comes to your claim.
An experienced public insurance adjuster should be able to provide direction, answers and assist you via consultation at any stage of your claim.
Since many public insurance adjusters were previously adjusters for the insurance companies, they are usually very familiar with claim processes and what is expected during the claims process. This information is available on request almost all of the time. All you have to do is ask, and I am sure your public insurance adjuster will bore you to death with a lengthy explanation to your question. 😉
Public insurance adjusters can definitely be worth it when you have an insurance claim that has been denied or partially denied based on some obscure detail in your insurance policy that you have never seen before.
Homeowners who submitted claims on their own received an average $2,029 vs. an average of $17,187 when represented by a public adjuster. Using a public adjusting service, homeowners saw an average increase of 747% in their homeowners’ insurance payout.
2010 OPPAGA Report
It can be worth the cost to hire a public insurance adjuster when your insurance claim has been approved, but is moderately to severely underpaid by your insurance company for some reason that just doesn’t make sense to you or your restoration contractor.
Research shows that when a public insurance adjuster is engaged the payout on an insurance claim can increase by as much as 70%. That’s almost twice as much money paid out for the same claim after a public insurance adjuster is engaged.
Some people have seen payouts increase 3-700% after engaging a public insurance adjuster to assist with their claim. That 3 to 7 times as much money paid for the same exact claim after a public insurance adjuster was hired to engage the insurance company and address the claim. That’s HUGE!
So, yes, in our opinion hiring a public insurance adjuster will usually result in a much better outcome for you, the insured based on our experiences. We have seen differences in payouts that are in line with those stated above.
Find our how we can help you with your insurance claim today by visiting our Contact Page and sending us a quick note. We will reach out to schedule a time that works for you to discuss your claim and your options. As always, our claim reviews are totally FREE with NO OBLIGATIONS.
A Team of Awesome
Our team of qualified and experienced Public Insurance Adjusters is at your service. We make the process simple, understandable and accessible.
I work as a Houston Public Adjuster, Estimator, Appraiser and Claims Consultant. I also travel as needed for storms & Large Loss claims.
Have a claim you need help with? Contact Me
- Understanding Property Insurance Appraisals: Process, Benefits, and Alternatives - June 10, 2024
- The Indispensable Role of Public Insurance Adjusters in Flood Claims: Insights from Houston and Kingwood ExperiencesThe Crucial Role of Public Insurance Adjusters in Managing Flood Claims - May 5, 2024
- Katy TX Public Adjuster - April 29, 2023