The Best Strategies to Use When Negotiating with an Insurance Adjuster
Most average homeowners have limited experience dealing with insurance adjusters. Unless you’ve dealt with insurance claims in the past, you may have little idea of how insurance claims work or how to maximize your settlement. That’s why we want to help. Today, we’re highlighting some of the best strategies to use when negotiating with an insurance adjuster, including the tactics, techniques, and tricks you can use to ensure you receive a fair payout from your insurance company.
Avoid Signing Any Documents Until You Fully Understand Them: Insurance companies can be greedy. Their goal is to make money and maximize profit – not protect policyholders or help homeowners get rich. Insurance companies might take advantage of the confusing period after a claim, pushing paperwork in front of you in an effort to get you to sign it. In reality, this paperwork is limiting your rights as a policyholder. Or, the paperwork could be forcing you to agree to a payout much smaller than you deserve. Avoid signing any documents from your insurance company until your lawyer or your own public adjuster has reviewed the paperwork.
Don’t Speak to the Insurance Adjuster Directly: Some people take negotiation tactics a step further by distancing themselves from the negotiation. You may want to avoid speaking to your insurance company’s adjuster, for example, and force the adjuster to speak with your own public adjuster or lawyer. This could prevent the insurance company from taking advantage of an unsuspecting policyholder like you, ensuring your rights stay protected and you receive the money legally owed to you.
Fight Back Against Denied or Reduced Settlements: Your insurance company might deny your payout or offer a low payout with the expectation that you will fight back. When an insurance company does this, it means they have two options: the client could accept the payout, saving the insurance company an enormous amount of money and liability; or, the client could deny the payout, and the insurance company could present a more respectable offer. Don’t be afraid to fight back against denied or reduced settlements. Your insurance company could be expecting it.
Find more tips about how to deal with a home insurance adjuster here and other crucial information for handling insurance claims.
So, You Need Help With An Insurance Claim - How to Find a Good Public Insurance Adjuster
Not all public adjusters are created equally.
Some public adjusters are little more than door-to-door salespeople. They visit neighborhoods that have recently experienced a disaster, then harass homeowners about the dangers of filing a claim without hiring a public adjuster.
Other public adjusters are certified professionals who provide high-quality service guaranteed to help you get a better insurance claim. These professionals charge transparent, competitive fees while negotiating with your insurance company on your behalf. They can walk policyholders through the claims process, allowing you to focus on your recovery while an experienced professional deals with your insurer.
Here’s the tough question: how do you find a good public adjuster while avoiding bad ones?
Well, you can read reviews and compare quotes from different public adjusters. You can meticulously scan through the websites and review pages for public adjusters in your local area.
Or, you can visit a single website like ClaimsMate to find the best local adjusters.
Many Texas home and business owners now rely on ClaimsMate.com to find qualified public adjusters serving their local areas. ClaimsMate is a public insurance adjuster service with a network of qualified, certified adjusters based in the greater San Antonio, Houston, Dallas, and Austin areas. ClaimsMate will connect you with a locally-based public adjuster capable of handling your unique insurance claim.
Top 3 Best Reasons to Hire a Public Adjuster
Thinking of hiring a public adjuster? A good public adjuster can increase your insurance claim by thousands of dollars while delivering better peace of mind.
Should you hire a public adjuster? Here are the top three benefits you may wish to consider:
1) Maximize your Settlement: You’ve paid a monthly premium for your insurance policy. Now, when you go to make a claim, your insurance company is dragging its feet or providing inadequate compensation. That’s not fair. You signed an agreement, you paid into your policy, and you deserve compensation. A public adjuster can maximize the value of your insurance claim based on the terms outlined in your policy. That could mean thousands more dollars in your pocket.
2) Reduce Stress: This might be the first time you’ve suffered a major home disaster or accident. It’s a traumatic time. The last thing a homeowner wants to do is negotiate with an insurance company. Most homeowners are unfamiliar with the complexities of insurance contracts. A public adjuster relieves stress by representing you against your insurance company. The adjuster works on your behalf and handles all aspects of your claim. You can focus on getting your life back together while letting a certified professional take care of the complicated work.
3) Pay Based on Results: Most public adjusters charge a fee based on results. They work on a contingency basis, which means they only get paid when you accept the final offer from your insurance company. At this point, the public adjuster charges a small, previously-arranged percentage of the final claim.
If you need to hire a good public adjuster in Texas, visit ClaimsMate.com for immediate assistance.
Read more information on how public insurance adjusters can help.