It is important to make sure you get what is fair in a residential or commercial insurance claim.  That would be an offer that gives you what you need and deserve. You can get help with that through a public adjuster like Only Plans Claims & Consulting. Public adjusters like our firm can help you get that fair offer.

Real-Life Examples of How a Public Adjuster Can Help

A good example is the case of a restaurant in Florida that sustained hurricane damage.  As you may know, Florida sees regular severe storm activity–usually between June and November–including hurricanes and tropical storms. When the restaurant owners in this real-life example experienced hurricane damage, they felt sure they would receive a fair settlement from their insurance company.

Unfortunately, the restaurateurs discovered that they would not get a fair settlement. In fact, their insurance company only offered a settlement of $12,000–not nearly enough to cover actual repair costs. 

The restaurant owners did not accept the offer and pursued a public adjuster for help. 

After inspections were done and assessments made, the adjuster found that the insurance company had not included key necessary repairs in its settlement offer. The firm advocated for the restaurant and the insurance company increased the settlement offer to over $45,000. This amount was fair and provided the funds needed to make all the necessary repairs.

Another example of a good settlement involves a church in the western United States that had hail damage due to a large storm. That part of the country suffers many severe hail events every year. In this case, the church chapel’s roof and siding were damaged.  Of course, the church wanted to get the damage repaired and really needed a total roof replacement. However, its insurance company only agreed to replace a small amount of the roof.  

A public adjuster was able to help by documenting the damage correctly and noting the insurance company’s policy commitments.  A five-fold increase in what was initially offered was received by the church. Its settlement increased from the original offer of $35,000 to $180,000.  

How Does a Public Adjuster Help You in the Claims Process?

Public adjusters look out for you. Insurance companies typically do not. Insurance companies often try to give lower settlements to increase their own profits.  Public adjusters take the stress out of filing a claim, help you fight an unfair settlement offer, give you a chance at a higher settlement, and move the claim along faster.  They negotiate with the insurance company for you, save you time, and are less expensive than a lawyer.  

How to Get Help to Get the Settlement You Need

If you feel you have received an unfair settlement or settlement offer, the first step is to contact a public adjuster.  They cannot promise you a settlement figure, but they can help you get the fair amount that you have been promised in your policy and take the stress and worry away from you.  A public adjuster’s job is to help you in a difficult situation.   Call Only Plans Claims & Consulting  today at (210) 887-5409 for help and information.