What is private insurance adjuster? How do you use it?

A private insurance adjuster, also known as a public adjuster, is a licensed professional who represents policyholders in insurance claims. Unlike insurance company adjusters, who work for the insurer, private adjusters advocate for individuals or businesses seeking fair compensation for property damage or loss. Richard Blaise & Assocaites provides private insurance adjuster in Long Island, Melville, NY, Suffolk County, Nassau County, Garden City, NY, Hauppauge, NY and surrounding areas.

How Does a Private Insurance Adjuster Work?

Assessment of Damage: The adjuster inspects the damage to determine the extent of the loss.

Policy Review: They analyze the insurance policy to understand coverage limits, exclusions, and rights.

Documentation & Evidence Collection: They gather photos, reports, estimates, and other necessary documents to support the claim.

Negotiation with Insurance Companies: The adjuster communicates with the insurance company’s representatives to secure a fair settlement.

Maximizing the Claim: They ensure the policyholder receives the highest possible compensation by identifying overlooked damages or underreported losses.

Claim Settlement: Once an agreement is reached, the adjuster finalizes the claim and ensures proper disbursement of funds.

When to Use a Private Insurance Adjuster

When you believe the insurance company’s offer is too low.

If your claim is complex or involves significant property damage.

If you lack the expertise to interpret your policy and assess damages accurately.

When the insurance company denies your claim unfairly.

If you want a professional to handle the process, reducing stress and effort.

Costs

Private insurance adjusters typically charge a percentage of the claim payout (usually 5-20%). However, their expertise can often result in significantly higher settlements, making their services worthwhile.

In summary, hiring a private insurance adjuster can help policyholders navigate the claims process effectively and receive a fair settlement from their insurer.

If you need assistance, we’re just a phone call away.