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Public insurance adjusters are an important part of Colorado’s business community. They work for the public and not for big insurance companies. This means that their clients come from all walks of life and represent a wide range of interests and needs. A good Colorado public insurance adjuster will have some technical training or experience in specific fields like construction or natural disasters. With the right knowledge about how to choose the best company for your needs, you can get the payment that you deserve on your insurance claim.

Contact a Public Adjuster in Your Area

What do public insurance adjusters do?

The job of a public adjuster is to help you get the insurance settlement that you deserve. Unlike an adjuster who works for an insurance company, a public adjuster works for you and keeps your best interests in mind. They work as a liaison between you and the insurance company to help determine your insurance settlement based on actual damage, not estimates or guesses on property damage.

Public adjusters will help walk you through your claim and guide you to make smart decisions about how to handle it. In other words, they won’t tell you to take the first offer, but rather work alongside you so that your interests are being served properly.

In Colorado, public adjusters can be found helping people with their claims from fires or floods as well as unexpected accidents like car crashes or roof collapses. In all cases, if a person has been injured physically or emotionally by something that was not their fault (or even if it is), a good public insurer should have no problem going up against big companies for reduced rates on items such as medical expenses, property repairs, and personal property replacement.

tree branch fallen on roof causing damageWhy hire a public adjuster in Colorado?

A primary reason to hire a public adjuster is to have someone to help you with the insurance claims process. Public adjusters know the ins and outs of insurance claim law, how to work with insurance companies for your benefit, and what types of damage costs will be covered under certain circumstances. They also know where to look for problems in your coverage such as which coverages you have or do not have that may impact compensation rates.

On top of all this, public adjusters provide a level playing field so that insurance companies can’t take advantage of anyone who isn’t well-versed about their rights and responsibilities when it comes to filing insurance claims. After all, those people working at the insurance company are only human too; they make mistakes just like everyone else does. If there is something wrong with an offer, your insurance company will not likely point it out unless it is in their favor to do so.

Adjusters who work for YOU, not the insurance company

As mentioned, public adjusters work for insurance policyholders and not for insurance companies. This means that they work for the best interests of the property owners – the person filing the insurance claim – rather than for the best interests of an insurance company.

Public adjusters are also experts in what they do. So it is important to remember that their advice should always be taken seriously when you work with them during a claim process. If there is something about an offer from the company that doesn’t sound correct or seems odd, don’t hesitate to ask questions! A good public adjuster will know exactly where these problems lie and how to address them properly while still getting you the compensation rates you deserve for damages done by whatever incident led to filing a claim and start you on the road to financial recovery.

Public Insurance Adjusters of Colorado Provide Larger Payments to Policyholders

starbucks with damageThe best benefit to hiring an independent adjuster is that they routinely get insurance policyholders a fair settlement and larger payments. Public insurance adjusters are experts in the insurance claims process and have a better understanding of what an insurance company should pay out for specific damages.

Public adjusters know how to properly value your claim and will aggressively negotiate on your behalf so that you receive the maximum payout possible. In some cases, this can mean receiving several thousand dollars more than if you had tried to file a claim on your own.

Don’t go through the hassle and stress of filing an insurance claim on your own – let a public adjuster help you get the best settlement possible!

How do you find a good public insurance adjuster?

As with any professional service job, there are some basics every public adjuster should know how to do well – including taking photos of damaged areas during inspection (so they don’t miss anything) and understanding construction methods so they know which contractors will be able to make repairs effectively and efficiently within budget parameters set out by the property owners. In addition, public insurance adjusters need excellent communication skills in order to communicate both with property owners as well as their own staff members who may be working on the claim.

It is important to remember that not all public insurance adjusters are created equal; some may know more about certain areas than others depending upon their education and experience specific to those fields. As such, it can be helpful when looking into hiring a public insurance adjuster if you ask them what types of projects they typically handle so you get an idea as to how your case might turn out in terms of settlement value based upon previous work done by this particular public adjuster or group working under the same company name as a public adjusting firm.

You should also make sure any independent insurance adjusters you hire have enough resources available within their staff at any given time – including sub-contractors who can act quickly if needed.

What to expect when working with a public insurance adjuster

When you decide to hire a public adjuster, they will generally come to your home or business to do an on-site inspection of the damages. This is a very important step in the process as it allows the adjuster to get a clear understanding of what needs to be repaired and how much those repairs may cost.

Once the inspection is complete, the public adjuster will then compile all of their findings into a detailed report which will outline what was inspected, what damage was found, and most importantly – an estimated value for that damage. It is this document that will serve as the basis for negotiations with insurance companies.

Public adjusters are not miracle workers; they cannot make damaged items suddenly fixed or undo any physical harm that has been done. However, they can help get a policyholder the most accurate value of damages possible so that they can be fairly compensated for their troubles.

How much money can you save by using a public insurance adjuster?

Hiring a public adjuster is more about how much money you will get back in the long run than saving money upfront. But you will be pleased to learn most public adjusters charge little if nothing at the beginning of the insurance claim process. Most adjusters will collect a percentage of the total settlement at the end of negotiations – which means you don’t have to worry about paying for their services upfront or losing any money if insurance companies fail to offer adequate compensation.

In most cases, public adjusters do receive some sort of insurance payout; however, this usually comes as a percentage of the final settlement offer. In the event that an insurance company denies a claim, public adjusters usually do not charge anything for their services.

Things to keep in mind when working with a public insurance adjuster

inspecting a damaged buildingHere are a few things to keep in mind when working with an independent adjuster on an insurance claim:

  • Public adjusters are not employees of the insurance company, and as such, have your best interests in mind when negotiating a settlement.
  • It is important to be cooperative with the public adjuster and provide them with all necessary documentation so they can compile an accurate insurance claim on your behalf.
  • Give the adjuster time to do their job; remember, they are working for you and will contact you as soon as they have any information to report.
  • Do not hesitate to ask questions – a good public adjuster will be happy to answer any concerns or queries you may have about the process.

In Conclusion

Working with a public insurance adjuster can be an invaluable asset to your case and help you get the most accurate value of damages possible. We hope this page has helped educate you on what to expect when working with a public adjuster so that you will know if you need insurance claim assistance in Colorado. If we missed any important points or want more information about specific aspects of these services, please let us know! Our staff is standing by ready to answer any questions at all times.