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What is a Public Claims Adjuster?  What You Should Know as a South Florida Homeowner

Suffering property damage is something no homeowner wants to experience.  Not only has your home been damaged, but you also must deal with the claims process in the hopes that your insurance policy will cover the cost to repair the damage.  Our property insurance claims attorneys have found that a very important part of the claims process is having an insurance adjuster evaluate your home to document the type and severity of damage that has occurred.  Many people rely on their insurance carrier’s own adjusters when evaluating property damage while others may choose to hire an independent public claims adjuster to evaluate the home.

At Greenberg, Stone & Urbano, our attorneys provide our clients with all of the necessary information needed to better understand the claims process and what an insurance adjuster does.  Because there are different options available that not all homeowners are aware of, working with one of our attorneys can help you determine what option may be best for you, and what the difference is between an insurance carrier’s own adjuster and a public adjuster.

Public insurance claims adjusters have mixed reviews.  Some homeowners believe public adjusters can provide a more accurate account of the situation, with the homeowner’s best interests in mind.  Others believe that public adjusters don’t do anything other than what an insurance carrier’s own adjuster does – provide a basic evaluation of property damage to assess what may be covered under the homeowner’s policy, but do so by charging the homeowner a percentage of what is ultimately received as coverage under the policy.

There are valid reasons for both views, so it is important that a homeowner thoroughly investigate his or her options.  Homeowners are often in a vulnerable situation and simply want their home to be back to normal as quickly as possible, so it isn’t always easy to determine what steps to take next.  Public adjusters have the ability to help homeowners through the claims process in a way that an insurance company’s adjuster may not be able to do.  Whether or not a public adjuster is necessary depends upon the individual circumstances of each case.  For example, if a home suffered extensive damage with the entire house at stake, a public adjuster may be a good idea so that a homeowner has someone on his or her side to explain what should be covered under the policy.

On the other hand, if the damage to a home is not severe, and the cause of the damage is clear cut, allowing the insurance company’s adjuster to evaluate the home may be sufficient to get a claim processed and settled.  Because each homeowner’s situation will be different, it is important to be aware of what resources you have for understanding the claims process, and what steps you need to take to protect yourself.

Contact the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

If your home has suffered property damage, and you believe your homeowners insurance policy should provide coverage, you may need the assistance of a legal professional to ensure your insurance company is complying with the terms of your policy.  The Miami Homeowners Insurance Claims Attorneys of Greenberg, Stone & Urbano take the time to listen to each and every client’s unique story.  With more than 130 years of combined experience, our attorneys know what to expect as part of the insurance claims process, and what clients should know when their home has suffered damage.  Greenberg, Stone & Urbano has received an AV rating from Martindale Hubbell, and was also named as a top South Florida law firm by the Miami Herald.  If you would like to schedule your free consultation to speak with one of our attorneys, contact our office today by calling (888) 499-9700 or (305) 595-2400.  You may also contact us online by visiting our website.


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