You put in a claim, and you get an offer. That’s what it might look like on your end, but what is your insurer doing to tally up the numbers? To know that you’re getting a fair settlement offer, you must first understand the role and duties of insurance adjusters. Find out what insurance adjusters look for before you call your trusted team of public adjusters at Altieri Insurance Consultants Jacksonville for an extra set of eyes on your insurance claim.
A Day In the Life of an Insurance Adjuster
Pouring a cup of coffee is only the start of the morning for an insurance adjuster. These professionals are like investigators, actively looking at every piece of data to come up with the most accurate estimate they can muster up. This can take a lot of time and effort, all while you’re anxiously awaiting that phone call with the final total.
Some important aspects that insurance adjusters look over include:
- The severity of the property damage
- How widespread the damage is
- Any personal injury reports
- The policyholder’s available coverage
Many insurance adjusters work hard to get you an accurate settlement offer, but like in any profession, mistakes can be made. Knowing how insurance adjusters work is key to knowing when to call a public adjuster in Jacksonville.
Insurance Adjusters Start By Assessing Your Property’s Damage
Property damage can look all sorts of ways. You might be fortunate enough to have a single broken appliance, or you could be dealing with a property-wide disaster resulting from one of Jacksonville’s occasional storms.
Insurance adjusters assess your property’s damage in multiple ways. It’s not just a matter of whether something is damaged or not, but in the way that it’s damaged. Roof damage will be categorized differently from damaged valuables, and flood damage will be assessed differently from fire damage. Reputable public adjusters in Jacksonville can teach you more about damage assessments so you can tuck away a little more knowledge about your insurance claims.
An Insurance Adjuster Will Then Investigate Your Claim
When investigating your claim, an insurance adjuster might get a little more in-depth depending on the state of your property after the incident. For larger-scale damage, they may interview neighboring property owners or witnesses to the disaster or accident. Police reports may also be a valid source of information. When it comes to processing an insurance claim in Jacksonville, almost anything goes.
Your Insurer Will Follow Up With An Estimated Settlement Amount
Estimated settlements are the result of everything your insurance adjuster has collected thus far. Your claim is too important to be handled on a simple calculator, which is why your insurance adjuster will use software tailored for this specific use. The only problem is that not all insurers will account for everything, meaning that you could be missing out on some reimbursement.
Think You Should Be Getting More? Hire a Public Adjuster!
Public adjusters make the final curtain call on your insurance claim. Whatever your insurance adjuster gives you, your public adjuster can give it another look-over to see if there are any missed opportunities for getting you a better settlement. Not sure who you can count on? Meet our team today to see who you’ll be working with in Jacksonville!
Never Accept the First Offer. Contact Alteri Insurance Consultants Jacksonville Today!
Insurance adjusters work hard, but you also shouldn’t trust their first offer. Run your claim by our team of public adjusters at Altieri Insurance Consultants Jacksonville to make sure you are getting what you are owed!
