What Are the Advantages and Disadvantages of Using a Public Adjuster vs an Attorney?
Filing an insurance claim can be complex and overwhelming, especially when dealing with property damage or loss. Many homeowners are not sure whether to hire a public adjuster or an attorney to help them navigate the claim process.
Both have advantages and disadvantages, and it’s essential to understand the differences before deciding.
This article will explore the benefits and drawbacks of public adjusters vs lawyers for your commercial or residential insurance claim, so you can make an informed choice and get the assistance you need during this challenging time.
Whether it’s interpreting your insurance policy for validation purposes or negotiating with insurance companies, understanding the role of a public adjuster versus an attorney can greatly impact your claim’s outcome.
What is a public insurance adjuster?
A public insurance adjuster is a licensed professional through the Florida Department of Financial Services who works on behalf of the policyholder to help navigate the insurance claims process, especially when the insurance company minimizes or denies your claim.
Unlike an attorney, a public adjuster specializes in assessing home or business damage and negotiating with insurance companies to handle your claim and ensure fair settlements. Public insurance adjusters are experts in property insurance claims, policy interpretation, documentation, and estimating the value of damages.
Public adjusters can thus help homeowners file a claim, assess the damage, gather evidence, complete necessary paperwork, and review their rights throughout the damage claims process. Hiring a public adjuster will alleviate the stress and confusion of dealing with insurance companies, ensuring that homeowners get the best possible compensation they are entitled to under their property damage claim.
For more information on Public Adjusters, please see What is a Public Adjuster and How Can They Help You?, When is it too late to Hire a Public Adjuster? and What You Need to Know About Public Adjuster Fees and Contracts in Florida.
What is an insurance attorney?
An insurance attorney is a legal professional specializing in insurance law and provides legal representation and advice to clients involved in insurance claims.
These attorneys deeply understand insurance policies, coverage, and regulations and can help homeowners file a lawsuit and navigate complex insurance claim processes. Insurance attorneys undertake legal action with various aspects of an insurance claim, including reviewing policy language, assessing the value of damages, negotiating with insurance companies, and representing clients in legal proceedings if necessary.
While public adjusters focus on evaluating and documenting damages, by hiring an attorney you will get legal expertise while they can advocate for homeowners’ rights in a legal context. In case of bad faith or an insurance company disputing, it may be wise to consult an insurance attorney to protect your rights and maximize your chances of a fair settlement offer. We recommend the Litigation and Recovery Law Center.
Benefits of hiring a public adjuster over an attorney
When filing an insurance claim, homeowners often can hire either a public adjuster or an attorney to represent them.
While both professionals can assist in navigating the complex world of insurance policy claims, there are distinct benefits to hiring a public adjuster.
Firstly, public adjusters specialize in insurance claims and have in-depth knowledge of the industry, policies, and procedures. They can effectively evaluate the damage that was caused due to extreme weather conditions such as floods or fire, assess the claim’s value, and negotiate with the insurance company on behalf of the insurer. Additionally, public adjusters work on a contingency fee basis, meaning that you pay them only if you receive a settlement. This incentivizes them to work diligently and maximize the claim amount.
On the other hand, an attorney typically charges an hourly rate, which can result in high legal fees. Public adjusters also have extensive experience dealing with insurance companies and can expedite the claims process, ensuring homeowners receive a fair settlement promptly. Hiring a public adjuster can provide homeowners with specialized expertise, cost-effectiveness, and a smoother claims experience.
To learn more about how a public adjuster can handle your claim, contact us today. Don’t let business interruption or property damage overwhelm you—trust a public claims adjuster to handle your rights and secure every compensation for your best interests.
