By Eugenia Dickerson


After a tragedy strikes, nothing can be quite stressful as filing an insurance claim. Dealing with an insurance company can give anyone a headache. To avoid dealing with the company directly, you should consider about hiring a public adjuster Miami. This is an individual who will interpret your insurance policy, assess the damage caused and estimate the money needed to do repairs. His most important task however is to negotiate with your insurance firm on your behalf until everything is settled. Take note that there is a difference between the adjusters hired by companies and adjusters employed by homeowners. The former are employed by companies to assist with the issue at hand.

It is better however to find your own public adjuster because the one employed by a company may fail to calculate some of the losses. The biggest challenge you may be faced with though is finding a reputable public adjuster. It is always easy to start looking for help from friends and family members because they are the people you can easily trust. If you can find friends who have had problems with insurance claims it would quicken your search.

Ask them what was the outcome of their cases and if they were positive, you should ask them to recommend you to the specialists that took care of their situations. Also inquire about the costs associated with the task but adjusters normally ask for compensation from the money paid by the insurance firm. They fix a certain percentage on that money and hence you will have to abide by his rules. NAPIA website can also assist you in finding reputable adjusters.

For adjusters to be recognized by NAPIA, it is mandatory that they have a two year job experience under their belts and must also be in possession of work permits. Licenses though should not convince you that you have the right people. You should call some clients these individuals have worked for to confirm if they are good enough.

If you will get positive feedback from these clients, you can select one of the licensed adjusters you have heard about. To be sure of your choice though, confirm with your states department of insurance that the person is clean in that there are few or no complaints filed against him. Another option you can take in finding an insurance expert is using a telephone directory.

Directories will provide you with lists together with contacts of some insurance specialists in your area of residence. Write down around four contacts and start making some phone calls. Deals like these cannot be concluded via the phone and so it would be better to interview them in person.

You should then set a neutral ground where you can meet with them separately. These meetings will give you the perfect opportunity to obtain first hand information concerning the adjusters. For instance there are some few qualities you can check which will help you come up with a final decision.

Experience for example is something you should not leave out. A case which appears complicated may require the expertise of a person who has been in this field for a considerable amount of time. Also check if they have studied insurance. With these methods in mind, you will surely hire a reliable public adjuster Miami.




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