When Should a Homeowner Call a Public Adjuster to Help With an Insurance Claim?
We all know the saying: Sooner is better than later. A homeowner called Quality Claims recently looking for assistance with his claim. He had suffered a large water loss to his home originating from the roof, down through the second floor and eventually flooding the first floor. When he called us, his claim had been open six months and he was in the final stages of the claim but was being worn down by his insurance carrier. The homeowner had not yet submitted his personal property portion of the loss because he was so exhausted with the claim already. Here is the nightmare story: Representing his insurance carrier, the first insurance adjuster wrote an estimate and issued a check but the amount was not enough to cover the damage. Soon after, his claim was reassigned to a second adjuster, then a third adjuster, and then to a fourth adjuster. Throughout the claim process, each request for a repair estimate revision led to other repair items “accidentally” being removed from the estimate.
