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WHEN AND HOW ARE PUBLIC ADJUSTERS HELPFUL?

It seems like every day we get a call from someone who allowed a contractor to represent them during their insurance claim. After storms, neighborhoods across the country are overwhelmed by storm chasers, who encourage you to sign a contract and put them to work. They promise not only to take care of the work, but also to negotiate the insurance claim. Storm mitigation companies are sometimes worst as they will charge thousands of dollars directly to your insurance company for placing tarps and boarding the structure without your consent.

Is the company described above going to ensure that your Additional Living Expense is properly addressed? Are they going to itemize, inventory, and value your Content loss? Do they have even the slightest care about placing a value on that BBQ smoker you have on the patio, or those recently bought flowerpots? When construction companies drive your insurance claim they are not only acting outside the law, they are singularly focused entities caring only about the specific job they want to do on your home.

Hiring a public adjuster ensures that every aspect of your claim is valued and presented. Let me give you an example of just what we described above. A client called NorthPoint by way of a referral from a previous client. We drove on scene of an obvious total loss tornado claim only to find a “mitigation company” removing wood cabinets from the structurally unsafe property. We assessed the loss quickly and determined that the claim would result in a total loss of the structure. NorthPoint’s team contacted the Insurance company and negotiated to have the work stopped immediately. Moments later as the workers left the scene, the ceiling collapsed. The carrier personnel were so obsessed with billing the carrier for their services that safety of workers, and most importantly the homeowners were overlooked. Within two weeks NorthPoint negotiated for a full replacement of the homes structure.