Who They Are Losing a house or a commercial property to a hurricane or other natural disaster is one of the most devastating and stressful experiences someone can go through on life. Fortunately, most of the time these properties are insured. So, does this mean problem solved? We can all go home? Unfortunately, that’s not always the case. Insurance companies are often in the habit of partially or completely withholding settlements that their clients are rightly entitled to. Fortunately, the insured have or claim consultants on their side. A skilled Puerto Rico public adjuster may, in fact, be just what you need at this critical moment. Let’s take a closer look at what these professionals do.
What They Do Claims consultants interview claimants and other witnesses, examine official records, and inspect property damage to determine the extent of an insurance company’s liability. They look at the original claim and the risks surrounding it, and when they have finished evaluating the ostensibly covered damage, attempt to negotiate a better settlement with the insurance company on behalf of the claimant.
Different adjusters sometimes handle different types of cases. For instance, some only handle personal injuries like dog bites or slip and falls, others handle only property damage to buildings and structures. “Multi-line” adjusters handle both, or some mixture of different kinds of cases. Private and independent adjusters work on behalf of insurance companies, while public adjusters work for policyholders.
Why You Need Them There are many reasons why a policyholder might hire a public adjuster. They may have incurred particularly large losses as the result of a disaster. They may feel that the insurance company is not communicating well with them or answering important questions they have. Or they may feel that their claim was not processed correctly, that they were not fully compensated for covered damages, or they may wish to contest the insurance company’s interpretation of the wording of a claim.
If you find yourself in any of these scenarios, you might need a Puerto Rico public adjuster.
