All You Should Know about Public Adjusters in New Jersey

In the event of a disaster, many people find themselves working with a public adjuster to help them get the most out of their insurance claim. Public claims adjusters in New Jersey have licensed professionals who work on behalf of policyholders to ensure they receive the settlement they deserve. While they can be a huge help in navigating the insurance claims process, there are some things you should know before working with one.

What Is a Public Adjuster, and What Do They Do? 

A public adjuster is an insurance claims specialist representing the policyholder in appraising and negotiating a property damage claim with the insurer. Insurance companies do not employ public adjusters in New Jersey. They get hired by policyholders to help them receive a fair settlement for their claims. 

Some of the duties of public insurance adjusters in New Jersey include: 

• Inspecting the property damage

• Assessing the cost of repairs

• Negotiating with the insurance company

• Preparing and submitting the claim

• Representing the policyholder at the insurance company's request for an examination under oath. 

What Are the Benefits of Hiring a Public Adjuster? 

A public adjuster can be extremely helpful in getting a fair settlement from your insurance company. They will be familiar with the claims process and know the documentation needed to support your claim. 

Additionally, public insurance adjusters in New Jersey will often have a network of contractors they can call on to help with the repairs. This can be a huge time saver for you, as you won't have to track down reputable contractors. 

Finally, public adjusters can negotiate on your behalf with the insurance company. This can help get a higher settlement amount, as insurance companies know that public adjusters are not afraid to take them to court if necessary. 

How Much Does It Cost to Hire A Public Adjuster? 

The costs of hiring a public claims adjuster in New Jersey can vary depending on the size and scope of the claim but range from 10-20% of the total settlement. They get paid a percentage of the final payment, so their fee is contingent on successfully negotiating fair and just compensation for their client. 

How to Choose the Right Public Adjuster for You? 

There are many factors you'll want to consider when choosing a public adjuster, such as: 

• How long they've been in business

• If the public claims adjuster in New Jersey has a license in your state

• How much experience do they have with your type of claim

• What are their fees are 

You can ask friends or family for recommendations or search online for reviews. Once you've narrowed your choices, you can contact the adjusters to get more information and find out if they're a good fit for you. 

In conclusion, you must know how to protect your interests and shoulder the financial burden after a fire. A public adjuster can be an invaluable asset on your road to recovery. With years of experience working with insurance companies, they can help you get the most out of your claim and ensure that you are not taken advantage of. If you have any questions or need assistance filing a claim, contact New Jersey Fire Claims.