Public appraisers can file and negotiate claims for damage caused by floods, fires, smoke, wind and hurricanes, as well as for damage caused by other hazards and even for loss of business income if caused by property damage. A public appraiser can sometimes file larger settlement demands for their clients. As a homeowner, you may not feel that you are entitled to it or that you are not sure about going back to the insurance adjuster and negotiating the claim with them. Don't let the myths of public adjustment dissuade you from the fact that public appraisers are definitely needed when it comes to costly claims and catastrophic property damage.
There will likely be more back and forth negotiations between the public appraiser and the insurance adjuster. Many homeowners decide to hire a public appraiser if the damage is extensive or if it is difficult to determine the magnitude of the damage that has occurred. A public appraiser will accurately measure the dimensions of your home and calculate the extent of the loss, which will include the appropriate square footage of your property. A public appraiser works for you, the policyholder, to ensure that your best interests are represented and that the insurance company resolves your claim fairly and complies with the provisions of the insurance policy.
A North Carolina public appraiser fights to get the maximum amount of settlements to ensure that the homeowner has sufficient funds to complete their repairs. So, in those volume cases involving thousands of claims, I think public appraisers fill a major gap just to deal with that volume, he said. AAA Public Adjusters of North Carolina works on your behalf to obtain an estimate of the loss that accurately includes every element of your claim. Public experts are professionals who are required to have a certain amount of knowledge and training.
The fact is, if you let a public appraiser handle your claim, things will move faster than if you were to process it yourself. For many, hiring a public appraiser means that they have someone to think and negotiate on their behalf.
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