Dealing with flood damage is a time-consuming process, and you are no doubt going through one of the most stressful times of your life right now. If you have flood insurance, your insurance company may send out a claims adjuster to assess the damage, but for best results, you may not want to let your insurer handle everything when it comes to the adjustment process. You retain the right to hire your own flood damage claims adjuster. Here's why you might want to pay for a public adjuster instead of just solely relying on your insurance company.
Your Public Adjuster Works for You
While your insurance company may say they have your best interests in mind, and many such insurers do try to do right by their customers, you need to understand that an insurance company is a business that needs to turn a profit just like any other enterprise. This means that when they send out their own adjuster to inspect your flood damage, they are sending someone on their own payroll who might have an interest in trying to keep the insurance company's total expenses down.
Hire a public adjuster, though, and you will be the one signing the adjuster's paycheck, not the insurance company. This does not mean the adjuster is going to inflate the amount of damage, but they will be sure to document everything and present it in a way that is most beneficial to your claim and not the insurance company's bottom line.
Flood Damage Claims Can Be Complicated
Depending on what kind of policies you are currently carrying, you might be in for a messy situation when it comes time to make a claim. If a hurricane came through, for example, it might be difficult to figure out which parts of your property damage should be claimed under a hurricane insurance policy and which are strictly related to flood damage. Working solely with the insurance company's adjuster might not result in the best possible payout. Hiring someone who specializes in finding and estimating flood damage could result in a higher paying claim.
Dealing with flood damage is never easy. If you have insurance, you are certainly hoping that it will help you resolve the situation and make you whole again. While your insurance company may very well try to do right by you, you may have a better chance of maximizing your claim if you hire your own adjuster. Contact a local flood damage claims adjuster today for more information.