Texas Public Insurance Adjuster
Who’s on your side when you have an insurance claim in Texas? Public Adjusters!
Texas homeowners are frequently victims of the wrath of hurricanes, tornados, hailstorms, floods, lightning, high winds, fire, smoke, and other catastrophes. Having survived these catastrophic events, homeowners must face down yet another hardship: filing insurance claims. In addition to recovering and rebuilding, homeowners have the burden of proof; they must prove to the insurance companies that they have suffered a loss in Texas.
Public adjusters assist homeowners in doing just that. The process is involved and time consuming, but well worth doing. Not only do homeowners receive support and help in documenting the damage, they also often see significantly higher insurance settlements! This is because public insurance adjusters understand the insurance and local construction industries. Many public adjusters have worked for insurance companies in the past before switching to the private sector. In-depth knowledge of insurance practices and years of experience settling insurance claims ensures that every possible claim is explored and that your losses are not underestimated during the claims process.
Texas public insurance adjusters understand the ins and outs of adjusting property losses, Texas insurance regulations, and the local construction industry. What does this mean to you, the Texas homeowner faced with an insurance loss? It means that you have a knowledgeable insurance professional on your side to help you get a fair settlement from your insurance company. Not only that, you have a local professional on your side who understands the real costs associated with rebuilding in the area. Out-of-area insurance adjusters may not fully understand local permit processes, housing standards, or area construction costs. On the other hand, a public adjuster who caters to Texas property owners is familiar with local construction costs and customs and can negotiate on your behalf for a settlement that takes these issues into consideration.
Public insurance adjusters work for you, not an insurance company. They are independent of any insurance company. Because a public adjuster works for you, you can rest assured that your interests are being served. In Texas, public insurance adjusters are paid a percentage, not to exceed 10 percent, of the total claim. By linking compensation to the settlement, public adjusters have a strong incentive to uncover every possible loss.
Remember, the burden of proof is on you, not the insurance company. Sure, the insurance company will send one of their private insurance adjusters out to survey the damage. However, the insurance company adjuster is working for the insurance company, verifying that damage has occurred. It is up to you to detail everything lost and then prove that the loss occurred. A public adjuster helps you with this burden of proof from start to finish.
Among the services that you can expect from a Texas public adjuster are:
• Inventory losses – A public insurance adjuster will go through your property and list everything lost as well as estimate its value.
• Document losses – In addition to inventorying your losses, a public adjuster also takes digital photos, draws up diagrams, and takes extensive notes all documenting the damage to your home and the losses incurred.
• Insurance policy review – Your insurance policy if filled with confusing insurance lingo that may contain exclusions and provisions. A public adjuster will review your policy to ensure that you are claiming everything possible under the policy.
• Damage estimates – Since a local public insurance adjuster is familiar with Texas building codes and practices, his estimates are likely to be more realistic than an out-of-area insurance adjuster’s.
• Paperwork – Filing insurance claims is a process that involves filing a great deal of paperwork. Public insurance adjusters are comfortable with these forms and take care of the details for you.
• Negotiations – It’s not uncommon for disputes to arise between homeowners and insurance companies. It’s also not uncommon for homeowners to accept the first settlement offer extended. In either case, a Texas public adjuster will negotiate directly with the insurance company to ensure that you get what you deserve. Whether your claim has been denied or your insurance company has made an offer, let a public adjuster represent your interests and maximize your claim!