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When property damage occurs, most homeowners and business owners assume their insurance company will handle everything fairly. After all, you pay your premiums, so you expect the insurer to step up when disaster strikes. Unfortunately, insurance companies often focus on limiting payouts and protecting their own bottom line. This is where a public adjuster comes in. At Forerunner Claims Consultant , we represent policyholders, not insurance companies. Here is what you need to know about the role of a public adjuster and why hiring one can make a big difference in the outcome of your claim. What Is a Public Adjuster? A public adjuster is a licensed professional who advocates exclusively for policyholders during the insurance claim process. Unlike the adjusters sent by your insurance company, who work for the insurer, a public adjuster works for you. Their responsibilities include: Reviewing your insurance policy to understand your coverage Inspecting and documenting all property damage in detail Preparing a comprehensive claim package Negotiating directly with the insurance company on your behalf Ensuring you receive the maximum settlement allowed under your policy Why Insurance Company Adjusters Are Not Enough When your insurance company sends an adjuster, it is important to remember who that person works for. Their goal is to protect the insurance company’s financial interests, which often means minimizing claim payouts. This can leave you with less money than you need to repair your home or business properly. A public adjuster levels the playing field by representing only your best interests. The Value of Hiring a Public Adjuster 1. Maximized Settlements Public adjusters know how to uncover hidden damages and accurately calculate the full cost of repairs. Studies consistently show that claims handled with a public adjuster result in higher settlements than those handled alone. 2. Reduced Stress and Confusion Insurance claims involve paperwork, inspections, and negotiations that can feel overwhelming. With a public adjuster handling the details, you can focus on moving forward instead of battling with your insurer. 3. Faster Claim Resolution Public adjusters know the claim process inside and out. By submitting complete documentation and pushing back on delays, they help resolve claims more efficiently. 4. Expert Guidance on Complex Claims Water damage, fire, smoke, and catastrophe claims often include hidden issues and complicated policy language. A public adjuster ensures nothing is overlooked and that your settlement reflects the full scope of your loss. When Should You Hire a Public Adjuster? When you have significant damage to your home or business When your claim is denied or underpaid When the insurance policy is difficult to interpret When you want an advocate who works solely for you Final Thoughts Insurance companies have their own adjusters and teams working to protect their bottom line. You deserve the same. A public adjuster is your ally throughout the process, ensuring your claim is handled fairly and your settlement is as strong as possible. At Forerunner Claims Consultant, we are here to advocate for you. Contact us today for a free consultation and let us pave the way to your fair claim settlement.