There are few things in life as emotionally and financially traumatic as losing your home to a fire, storm, or any other disaster. An insurance service provider that downplays your claim, or even rejects it altogether, might compound this problem further. Unfortunately, this is a fairly common occurrence. Insurance companies are profit-making organizations that are ultimately concerned with their bottom line.
Their surveyors and inspectors would try their level best to ensure minimum reimbursement of your claim. Since they are well versed in the business, and know just which loopholes to use, you might want to hire a public adjuster to take care of ‘your’ interests. Sometimes, the mere presence of your public adjuster is enough to make the insurance company realize they can’t win.
Your adjusters would methodically go through your insurance contract, check the damage, and create a watertight claim. They will also include ‘loss of business’ and other expenses in the claim as long as they are covered in the contract.
However, all of this is only possible if you hire one hundred percent legit public adjusters. There are plenty of people who don’t have the expertise or the experience to help you get your claims approved. Here are a few tips that will help you cull the best from the rest.
1. Check Their NAPIA Registration
NAPIA is the National Association of Public Insurance Adjusters. This organization is responsible for establishing the industry’s best practices all over the country. In fact, it sets the standards for public adjusters along with other associated professionals. As a NAPIA member, the adjuster you select will have to accept and follow the organization’s strict code of conduct. NAPIA membership confers authenticity to all public adjuster outfits.
2. See What Kind of Claims They Handle for Their Clients
Most public adjusters specialize in specific types of cases. You should see if your adjuster’s experience is the same or even close to the type of claim you want to file. It would be a lot easier for them to work with you, and come to a settlement in your favor, if they have already handled similar claims.
3. Check Their Experience
Relevant experience is a critically important criterion. While it is not a good idea to select anyone solely based on this factor, it should nevertheless be a key part of any final decision. Apart from the firm’s experience, you have to consider the experience level of the individual adjusters who will actually be handling your claim. Most good adjusters have years or even decades of experience working in different insurance companies before they decide to start working as public adjusters.
You can always depend upon IRPA to take care of your interests when you file a claim. We have the experience, training, and expertise to ensure that your insurance service provider pays your just claims in full.
You can always depend on us for all your public adjusters in Columbus, OH, needs.