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Whether you need to hire a public adjust or not depends on the size of your claim. Adjusters are professional negotiators and help to insure that you receive the maximum benefit. If the dispute is larger than $10,000 then chances are it would be a good idea to employ an adjuster.
The interesting thing is that a large majority of public adjusters were once on the other side of the fence working for the insurance agency. This gives them a unique insight into the claims process and usually ensures that they will be a tremendous help to you in dealing with your claim.
One important thing to remember is that water damage should not be confused with flood damage. As far as insurance goes these two things are very different, and confusing the two could have a negative effect on the outcome of your claim. The reason being that water damage is typically covered by homeowners insurance. Flood damage on the other rarely is, and usually requires a separate policy. The truth is that flood insurance didn't even exist until 1968.
In the insurance world, water damage is consistently the number one homeowner's claim. People often times fail to realize all the different ways a home can suffer water damage. Everything from leaky pipes to poorly-maintained appliances can be responsible.
Typically, floods are caused by heavy rains, overflowing rivers, thawing snow, hurricane storm surges, or flash flooding. If you’re close to the water table, in a flood plain, or in a region prone to any of these conditions, flood insurance is a smart plan.
If your home is dealing with water damage it is not uncommon for your insurance company to hire their own cleaners to help restore your home. Unfortunately these cleaners may not be the top of their class. Chances are they are on such a tight budget that they cannot afford "quality work". The last thing you want after a disaster such as this is to have people working to restore your job that are unwilling to go the extra mile.
That’s unacceptable after your home experiences water damage. Make sure your water damage remediation team uses moisture detectors, hygrometers, infrared cameras, and other advanced equipment to monitor the location of the water in your home. The cleaners also need to use disinfectants to prevent the spread of mildew, bacteria, and fungi.
When an insurance company adjuster fails to follow through with this protocol, it throws the restoration of your property into jeopardy.
Ultimately, your best option is to hire a public adjuster to walk you through the water damage insurance claims process. They’re certified professionals who know the industry better than anyone — and they’re the best way to ensure your water damage insurance claims are covered.