I have a rental that suffered some hail damage, I had my roofer (who told me it was hail damaged) and the insurance adjuster out.
My roofer says it has lots of hail damage, the adjuster said there is no hail damage,,,
I'm looking at my next step, and was considering getting a Public Insurance Adjuster out to see who is right,,,I discussed with my agent, and of course she said not to use a public adjuster, they are just trying to get claims approved for more money.
Has anyone used a Public Adjuster,,if so how was the experience. I'm not looking for a referral (but if you know one in Dallas let me know) , just your overall experience using one?
Find a recommended roofing contractor. Someone is wrong.
I'm an insurance agent. I have a local public adjuster's info handy on my phone. I would refer a client to him without hesitation if a claim was going sideways because I know he's good at what he does and fair in the way he adjusts a claim.
The problem is that the systems of adjusting a claim have progressively changed, become more automated, and grown increasingly susceptible to data-driven generalizations that often work against the Insured. In general, younger adjusters have less training in real-world damage analysis and can be too reliant on automation. This can be an issue with an insurance company adjuster, and it can also be an issue with a less experienced public adjuster.
There are good, well-trained, ethical adjusters working for insurance companies. On the other hand, some insurance companies do encourage adjusters to control claim costs, and some make you work harder than others for your settlement.
An experienced public adjuster - someone whose knowledge of insurance precedes automation, someone who knows the law inside and out, and someone with a long list of quality references - will be able to assess your claim and compare it to your coverage reasonably. It may be that your roofer is wrong, but if you're getting shut down on a claim you should get a second opinion. And it never hurts to have a good public adjuster in your contact list.
Free eBook from BiggerPockets!
Join BiggerPockets and get The Ultimate Beginner's Guide to Real Estate Investing for FREE - read by more than 100,000 people - AND get exclusive real estate investing tips, tricks and techniques delivered straight to your inbox twice weekly!
- Actionable advice for getting started,
- Discover the 10 Most Lucrative Real Estate Niches,
- Learn how to get started with or without money,
- Explore Real-Life Strategies for Building Wealth,
- And a LOT more.
Sign up below to download the eBook for FREE today!
We hate spam just as much as you
Create Lasting Wealth Through Real Estate
Join the millions of people achieving financial freedom through the power of real estate investing