If your home has suffered property damage due to water or flood damage, fire damage, mold, theft, or vandalism, you need someone who can help you through the process of filing an insurance claim to get the best settlement offer possible. In other words, you need a public insurance adjuster. Lightman & Fields Public Insurance Adjusters have been in business since 1986, helping the residents of Port St Lucie FL get more from their home insurance claims. We offer 24 hour service because disaster and damage can strike at any time of the day or night, and offer a full suite of services.
What is a Public Adjuster?
Whenever property damage occurs, the insurance company sends out their own insurance adjuster to assess the damage. The adjuster investigates the claim to determine its validity. However, the insurance company’s adjuster is more invested in the insurance company than in your interests, and might not make the fairest decisions. In fact, a company insurance adjuster, or one hired by the insurance company, can legally only represent the rights of that insurance company. A public adjuster, on the other hand, works for you by appraising and negotiating your insurance claim to help you get the best possible settlement. Public adjusters understand how the law applies to policyholders, and are licensed by state insurance departments. Public adjusters can legally represent your rights during a claim process.
A public adjuster has many duties and responsibilities which can vary according to the claim. Some of these may include:
- Evaluating and understanding existing insurance policies to determine what coverages can apply to specific claims.
- Negotiating settlements with insurance companies
- Researching and substantiating damages to buildings and contents
- Preparing documentation and supporting claims
A public adjuster can also re-open a claim if a discrepancy is found after the claim has been settled. Not only will a public adjuster advocate for you and work to secure a better settlement, they will also help your claim progress more quickly so that your life get can back to normal.
What about fees?
Public adjusters generally are paid a percentage of the total settlement. It is important to note that the percentage an adjuster receives is offset by the increased claim they helped secure.
When should I contact a public adjuster? If you are a homeowner in Port St Lucie FL and your home has been damaged, you should contact a public insurance adjuster as soon as possible. The earlier an adjuster is brought on board, the better your chance of receiving fair treatment and settlement. However, a public adjuster can be engaged at any time during the claim process, and sometimes even after the settlement has been received. If you would like to find out more about how Lightman & Fields Public Insurance Adjusters can help you, contact us before going to your insurance company or at your convenience. You can file a claim here with us or call our office at 561-627-3089, or on our 24 hour emergency phone number at 561-202-7599 during off business hours.