Sometimes, there’s just nothing you can do to prevent a disaster. A lightning strike may set your house on fire, or your neighborhood may find itself in the path of a large-scale catastrophe like the 2017 California floods, and then all of a sudden your life is turned on its head.
A comprehensive insurance policy will go a long way toward dampening the blow to your finances, but it comes with its own difficulties. The good news is, there are top-notch property damage adjusters in Los Angeles who can provide expert help with your insurance claim process.
In the following article, we’ll explain how getting help from reliable property claims adjusters can greatly expedite your insurance claim and make sure you get the highest payout possible. Keep reading to learn more.
What are public adjusters?
Public adjusters are highly experienced and superbly trained insurance professionals who specialize in representing you, the policyholder. Their job is to guide you safely through the damage claim process in order to ensure you don’t get taken advantage of by your insurance company.
Some of the services a public adjuster provides include:
- Policy interpretation. Most people lack the necessary training needed to fully understand their insurance policies. Public adjusters use their in-depth knowledge of insurance law to correctly and thoroughly analyze and interpret your insurance policy. This is vital, as knowing exactly what you’re entitled to is going to make all the difference in the way you approach the claim process.
- Evaluating lost business income.
- Preparation of true damage estimates, valuations, and inventories of the damaged property.
- Extensive and professional documentation of the damage. This includes documenting, inspecting, and photographing the damages to your house, apartment, workplace, vehicle, or other property.
- Representing you during negotiations with your insurer.
Why do I need property damage adjusters in Los Angeles?
Insurance is vital to anyone with a home, business, or apartment. It protects you from the significant financial losses that can be caused by catastrophes such as floods, earthquakes, or wildfires. That being said, insurance is sold by insurance companies that are still businesses, and their end goal is to make money.
Some insurers are better than others, but all are concerned about their bottom line and want to try to resolve claims as quickly as possible with as little paid out as possible. There is therefore an inherent conflict with every claim between your insurance company’s adjuster and you, the insured.
A good public adjuster will review your policy, assess your coverage, communicate with your insurer, determine what benefits and money you’re really entitled to, and ensure you receive it by representing you throughout the damage claim process.
How are public adjusters different from the adjusters my insurer sends me?
Your insurance company will send either a “company adjuster” or an “independent adjuster” to handle your claim. Many times, the adjuster is not from California and not familiar with the state laws or local construction costs. They are often overworked with many separate claims that they are handling. In fact, you may have multiple adjusters handling your claim at the same time for your insurance company. It should therefore come as no surprise that the insurance adjusters sent by your insurance company ultimately represent the company’s interests, rather than yours. Public adjusters represent and work for you, the insured.
Where can I hire reputable property damage adjusters in Los Angeles?
Unless you have a background in insurance or have studied the intricacies of the insurance claims process in California, you’re unlikely to get the most out of your policy. That’s where Integral Adjusters LLC comes in.
Our top insurance expert, Michael McEvoy, is a second-to-none public adjuster in Los Angeles. With him on your team, you’ll not only maximize the benefits you receive from your coverage, you’ll also have someone to represent you during lengthy and stressful claim process and negotiations.
Reach out to Integral Adjusters today and book your free consultation.