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  • chrisvarn2000

What Does a Public Adjuster Do For You?

Updated: Jul 11, 2022

Public Adjuster Sarasota, FL

From a small roof leak to a major catastrophe, if your home or business has suffered property damage that requires an insurance claim, a public adjuster can help to guide you through the process and help you get the settlement you deserve. What does a public adjuster do for you? Here are some of the steps.

1. Inspect Your Property for Damage

When you contact a public adjuster, the first thing they will do is thoroughly inspect your property. If you have wind damage to your roof, your public adjuster will inspect the interior of your home to determine if there is also any water damage. Since public adjusters are experts at dealing with property damage, they may uncover issues you didn’t initially notice. This will help make sure you receive your full benefits when filing your insurance claim.

2. Evaluate the Scope of the Damage

Next, the public adjuster will evaluate the extent of the damage, including assessing what can be repaired and what needs to be replaced. We have over 25 years in the insurance industry and know what to look for to bring your property back to its pre-damaged state. Once you know the extent of the damages, your public adjuster can even report the claim to the insurance company for you.

3. Prepare an Estimate

Once your public adjuster inspects the damages, he or she will prepare an estimate of the damages. This includes the cost to repair damages to the building as well as the expense of replacing equipment, inventory, and other damaged contents inside your home or business. Our public adjusters use a sophisticated, constantly updated and industry standard software called Xactimate to prepare your estimate, ensuring accuracy even with recent fluctuating construction costs.

4. Provide Contractor Referrals

Every type of claim is different. A water damage claim may need an emergency dry out company or a mold remediator. A roof claim may need immediate temporary repairs or tarping. Our public adjusters have a network of reliable contractors, roofers, mold remediators and water extraction companies we can recommend depending on your specific needs.

Public Adjuster Sarasota

5. Assist with Documentation

When it comes to filing a property insurance claim, it’s important to have as much documentation as possible. Your public adjuster will help you gather and organize receipts, invoices from contractors, emergency service providers, mold remediators, appraisers or any other records that will help support your claim.

6. Assist with Communication and Negotiation

From the initial inspection with the insurance company adjuster, to any additional inspections with engineers or other consultants, your public adjuster will be there for every inspection of your property. Your public adjuster will also communicate and negotiate with your insurance company so you don't have to.

Public adjusters are experts in the insurance policy language and know exactly how to submit both initial and supplemental claims. Your public adjuster will submit a detailed claim with all the information needed to settle things quickly and fairly. We will negotiate with your insurance company to ensure you are treated fairly and get the full compensation you deserve.

Public Adjuster Sarasota

Need a Public Adjuster?

Contact Us Today!

Your insurance company hires an adjuster to represent their interests. You should too! If you’re dealing with a property loss, our public adjusters can help – even if you’ve already submitted your insurance claim. We are located in the Bradenton/ Sarasota area and serve all of Southwest Florida from Brooksville to Naples. Contact me on my cell today to learn more - (941) 226-9871 - Chris Varn

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