Insurance is always a part of life whenever we have properties of great value as a means of securing the value of these properties from any possible incidents. The reason for having an insurance is to make sure that at times of unpredicted loss, one can claim the value of that which was lost or damaged.
It can be a loss due to natural disasters, accidents, or other circumstances, as per coverage, the insured can file a claim as per policy and standards. Some people in order to get a quicker response or processing of the claim, would hire an insurance adjuster and some will just directly work with their insurance agents or the insurance company.
If the insured declines the help of the insurance company adjuster but instead seeks to hire an external adjuster, the hired becomes the middleman. One can orient himself with the may information in the internet that will enlighten the mind with options as to hire an adjuster or not.
Insurance companies already have adjusters and they do the service for free to the insured, so why the need for an adjuster?
10% from the reimbursed claim most of the time is declared by the adjuster as the payment, is the insured willing to make this compromise?
Even if you are reimbursed by the insurance company with 100% for the claim, and that is exactly what you need from the loss, yet it will be a deficit because part of that claim is paid to the adjuster you hired.
Also, an external insurance adjuster may not know fully the extent of the policy coverage of the insured as much as the insurance agent or adjuster, therefore some information or important details may be compromised. At any case, if the need to hire an adjuster is really necessary, one has to be cautious in many aspects to ensure appropriate service is guaranteed against the value of time and money.
One may have too much on his plate that he cannot manage to process the claims for himself, or he may have a bad experience with the insurance company adjuster hence the need to hire one. Check credibility, experience, feedback or even do a little background check to ensure no more loss.
You have to make sure that the hired adjuster is proven and tested, that which value service more than profit.
It is neither bad nor good to hire an adjuster, as long as the insured is aware of the possibilities and knows by the back of his hand how the process is run and how he foresee the proceeds of his claim. Follow these steps to make the right selection along the way.