When disaster strikes whether it’s a storm, fire, flood, or unexpected damage the last thing you want to worry about is navigating the complicated world of insurance claims. Unfortunately, many policyholders leave money on the table simply because they don’t know how to properly file or negotiate a claim.

That’s where a public adjuster comes in. Unlike insurance company adjusters, who work on behalf of the insurer, public adjusters work for YOU, the policyholder. Their goal? To ensure you get the maximum payout you’re entitled to.

Here are expert tips from experienced public adjusters to help you maximize your insurance claim:

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1. Document Everything Immediately

Start taking photos and videos as soon as it’s safe to do so. Capture wide shots and close ups of the damage from multiple angles. Keep a log of everything that was damaged or lost including model numbers, receipts, or appraisals if available.

Tip: The more detailed your documentation, the stronger your claim.

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2. Don’t Rush to Clean Up

It’s natural to want to start repairs or clean up after a loss, but resist the urge until after you’ve thoroughly documented the damage and spoken with your insurance provider. Premature cleanup can unintentionally erase critical evidence.

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3. Understand Your Policy

Insurance policies are packed with industry jargon and fine print. Make sure you know:

• Your coverage limits
• Exclusions
• Deductibles
• Timeframes for filing

Pro Tip: A public adjuster can help interpret your policy and ensure you don’t miss anything.

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4. Be Cautious When Speaking with Insurance Company Adjusters

Remember, insurance company adjusters represent the insurer’s best interests not yours. Be truthful, but avoid speculating or giving opinions about the cause or cost of the damage. Stick to the facts.

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5. Get Repair Estimates

Get multiple repair estimates from licensed contractors. This provides leverage when negotiating and helps validate the actual cost of repairs, especially if your insurance company’s estimate seems low.

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6. Hire a Public Adjuster Early

Public adjusters can manage the entire claim process—from paperwork to negotiation ensuring no detail is overlooked. Studies show that policyholders who hire a public adjuster often receive substantially higher payouts than those who don’t.

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7. Keep a Paper Trail

Save all communication with your insurance company, including emails, letters, phone logs, and receipts. This documentation can be crucial if disputes arise later.

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Final Thoughts

Dealing with property damage is stressful enough. Don’t let the insurance claim process add to your burden. With the right approach and the help of a skilled public adjuster you can level the playing field and secure the settlement you deserve.

Need help with your claim? Reach out to a trusted public adjuster and take the first step toward reclaiming what you’ve lost.