Maximize Your Claim with an Insurance Dispute Attorney: The Role of a Public Adjuster With Your Claim

Dealing with property damage is stressful enough without the added frustration of navigating the insurance claims process. 

If you’re a commercial property owner in Texas, understanding your rights and options can make a significant difference in your claim’s outcome. One critical aspect of this process is the role of public adjusters. Most property owners aren’t even aware that these professionals can help you receive the compensation you deserve. We’re here to share how you can effectively utilize their services.

As experienced insurance dispute attorneys, we’ve seen firsthand how the guidance of a skilled public adjuster can transform a challenging claims process into a more manageable and successful endeavor.

Texas commercial owners often face significant hurdles when dealing with insurance claims, from initial denials to undervalued settlements. We aim to share information with you on how leveraging a public adjuster can maximize your compensation.

What You Will Learn:

  • The critical role of public adjusters in property damage claims
  • How public adjusters differ from insurance company adjusters
  • The benefits of a public adjuster for your claim
  • The comprehensive approach to handling your claim
  • When to Involve an Insurance Dispute Attorney

The Importance of Public Adjusters: Insights from an Insurance Claim Lawyer

Public adjusters work exclusively for you, not for the insurance company. Their primary job is to assess the damage to your property and prepare a comprehensive report on your behalf. This service ensures that your attempt to dispute your denied or underpaid claim is detailed and accurate, increasing the likelihood of a fair settlement.

When a disaster strikes, whether it’s damage from a hailstorm, fire damage, or any other damaging event, the aftermath can be overwhelming. You have to deal with the immediate damage and start the process of filing an insurance claim. If your insurance company denies your claim or is willing to cover by minimizing the damage, Public Adjusters can handle the nitty-gritty details, allowing you to focus on recovery. Also, an experienced insurance dispute attorney can further assist in disputing claims that have been denied or underpaid.

insurance dispute lawyer, insurance litigation attorney

 

An Insurance Dispute Attorney’s Explanation on How Public Adjusters Differ from Insurance Company Adjusters

Public adjusters and insurance company adjusters have fundamentally different roles and loyalties. Public adjusters represent the policyholder (you!!), advocating for the maximum possible payout based on your policy terms. In contrast, insurance company adjusters work for the insurer, aiming to minimize payouts to protect the company’s financial interests.

This difference can significantly impact the outcome of your claim, so when it comes to having an adjuster on your side, be sure to go with a public adjuster. An insurance company adjuster might overlook or undervalue certain damages to reduce the payout. Meanwhile, a public adjuster’s objective is to ensure that every aspect of the damage is documented and included in the claim.

 

The Detailed Role of Public Adjusters: Understanding the Process

The first step in the public adjuster’s process is conducting a thorough assessment of the damage. They meticulously document every aspect, from visible damages like broken windows and roof shingles to hidden damages such as water infiltration and structural issues. This comprehensive documentation is crucial for building a strong report when disputing a denied claim.

Public adjusters use various tools and techniques to assess damage, including moisture meters, infrared cameras, and drones for aerial inspections. These tools help ensure that no damage is overlooked, providing a complete picture of the loss. This thorough assessment can significantly strengthen your underpaid or denied claim process, leading to a higher settlement.

insurance claim lawyer, insurance dispute lawyer,

Tips for Finding a Reputable Public Adjuster: Advice from an Insurance Dispute Attorney

Finding a reputable public adjuster is essential to ensuring a successful claims process. A qualified public adjuster should be licensed in your state and have a track record of successful claims. Look for reviews and testimonials from previous clients to gauge their reliability and effectiveness.

Experience is another key factor. Ideally, you want a public adjuster who has handled claims similar to yours and represented similar commercial properties. This ensures they are familiar with the specific issues and challenges that may arise. Transparency is also important. A reputable public adjuster should provide clear and upfront information about their fees and the services they offer.

Find an public adjuster near you on the Texas Association of Public Insurance Adjusters website: https://www.mytapia.org/directory-all/#!directory/ord=rnd

 

The Benefits of Hiring a Public Adjuster: Insights from an Insurance Dispute Attorney

Working with a public adjuster offers several advantages!

First and foremost, adjusters help maximize your claim. Public adjusters are skilled in identifying damages that might not be immediately apparent and ensuring these are included in your claim. They handle the complex reports, which can be daunting for someone not familiar with insurance jargon and procedures.

Moreover, in order for an attorney to negotiate directly with the insurance company on your behalf, it’s necessary to have an adjuster’s reports first. That’s why, at Stormlex Law Group, we have a list of long lasting relations with the best adjusters in Texas.

It’s important to note that the key difference between a public adjuster and Stormlex Law Group is the fact that we can take legal action for your claim, whereas a public adjuster would need to refer you to us for further negotiation with your insurance company.

The negotiation can often be the most challenging part of the claims process, which is why our insurance dispute attorneys are well-versed and experienced in this field. Their knowledge and expertise can make a significant difference in the final settlement amount.

 

Working with Public Adjusters: Collaboration with an Insurance Dispute Attorney

A public adjuster and an insurance dispute attorney can form a powerful team in managing your insurance claim. While the public adjuster focuses on documenting the damage, the attorney can provide legal oversight and support. This collaboration ensures that all aspects of your claim are thoroughly covered and that you are prepared to take legal action if necessary.

For example, if your claim is unjustly denied or undervalued, an insurance dispute attorney can step in to file a lawsuit against the insurance company. This legal pressure can often lead to a more favorable settlement. Together, the public adjuster and the attorney provide a comprehensive approach to handling your claim, maximizing your compensation.

 

Legal Recourse: When to Involve an Insurance Dispute Attorney

Several common challenges can arise during the claims process. One of the most frequent issues is the initial denial of claims or undervalued settlements. Insurance companies may deny claims based on technicalities or disputed interpretations of policy terms. At Stormlex Law group, alongside our trusted  public adjusters, we can help contest these denials by providing additional evidence and arguments.

Insurance companies may offer settlements that do not fully cover the repair costs. When this happens, it may be necessary to take legal action. Any of our insurance dispute attorneys can file a lawsuit against the insurance company, seeking a court-ordered settlement.

To maximize your insurance claim, it’s essential to take a comprehensive approach. This means utilizing the expertise of both a public adjuster and an insurance dispute attorney. The public adjuster handles the initial assessment and documentation, while the attorney negotiates with the Insurance Company and provides legal oversight and support.

Negotiation requires a deep understanding of insurance policies and the ability to argue for the maximum settlement. Our attorneys are skilled negotiators who know how to challenge the insurance company’s assessments and offer rebuttals supported by evidence. This expertise can make a significant difference in the final settlement amount.

Together, we can navigate the complex claims process, address challenges, and advocate for your best interests. This collaborative approach increases your chances of a favorable outcome, ensuring that you receive the compensation you need to fully recover from the damage.

 


Follow us on Youtube!

Stormlex Law Group is sharing weekly videos that break down insurance policy terms and why they matter, tips for navigating the claims process more effectively, and all things Texas insurance law related. 

If you reside in San Antonio, Dallas, Austin or another Texas city, be sure to give us a follow so that you know your property rights as a policyholder in Texas!

youtube-image-link


Photo by Wesley Pacífico on Unsplash