Insurance Adjusters Vs. Public Adjusters For Property Damage Inspections
Until you have to file a residential or commercial insurance claim for your Vernon Hills property, you probably don't give much thought to property damage inspections or insurance restoration. Many people assume that property damage inspections performed by the insurance company's adjuster are done on their behalf, but that's not the case. Insurance adjusters work for the insurance company, but a public adjuster works for you.
Public adjusters are hired by the policyholder, and their job is to assist with the complex process of navigating insurance claims for homeowners and business owners to maximize compensation and minimize out-of-pocket expenses. The insurance company's adjuster works on behalf of the insurance company to gather information and estimate the cost of repairs - all with the insurance company's bottom line in mind.
Same Tasks, Different Goals
Both public adjusters and insurance adjusters will perform a thorough property damage inspection to determine the extent of damage to your Vernon Hills home or business. They will also prepare damage reports and estimate the cost to make needed repairs to your roofing, siding, gutters, and other structures. Often claims are underpaid, delayed, or denied based on the insurance company's interpretation of policy exclusions and their adjuster's recommendations. The difference is that your public adjuster has your best interests in mind - and they also understand policy language and Illinois insurance laws.
Damage Assessments After A Disaster
Having a trusted insurance restoration expert on your side can make all the difference when it comes to ensuring your claim payout is a fair and accurate representation of the damage to your property and the coverage to which you're entitled. Property damage inspections are performed to assess:
- Fire damage and water damage from extinguishing the fire
- Storm, wind, and hail damage
- Damage to roofing, siding, or gutters
- Flooding damage
- Other types of water damage
Hidden damage can pose a threat to your Vernon Hills property and the people in it, but hiring an experienced public adjuster can alert you to issues and ensure that all damage has been identified for your residential or commercial insurance claim.
Benefits Of Hiring An Insurance Restoration Professional
When disaster strikes your Vernon Hills home or business, the last thing you want to do is sort out the fine print in your insurance policy or leave yourself at the mercy of your insurance company. An expert in insurance restoration for Vernon Hills homes and businesses can help you through the process every step of the way, providing a number of benefits that include:
- Representing your interests
- Maximizing your settlement and minimizing out-of-pocket expenses
- Removing emotions from the claims process
- Bringing their education, experience, and expertise to the job
- Payment for services is made through the claim without upfront expenses
A public adjuster is critical for creating a smooth insurance claims process and heading off issues with denials, underpayment, or delays.
The Insurance Restoration Pro You Can Trust For Property Damage Inspections In Vernon Hills
At TPC Public Adjusters, our goal is to help our friends and neighbors in the Vernon Hills area with all of their public adjusting and insurance restoration needs. We'll be with you every step of the way - from property damage inspections to filing and negotiating insurance claims to general contracting and repair services to get you on the road to recovery. Plus, we donate a percentage of every insurance-related job the the local charity or organization of your choice!
To request an insurance claims consultation or property damage inspections in Vernon Hills and the surrounding Chicagoland communities, call the insurance restoration pros at TPC Public Adjusters today at 847-877-6275.