When it comes to filing a property insurance claim, there are different professionals who can assist you in the process, attorneys and Public Adjusters. While both can be helpful in navigating the claims process, they each offer different services and have different skill sets. In this blog, we’ll explore the differences between retaining an attorney and/or a Public Adjuster to assist you with a property insurance claim.

First, let’s talk about Public Adjusters.  Public Adjusters are professionals who specialize in the insurance claims process. They work on behalf of policyholders to help them navigate the complex and often confusing world of insurance claims. While Public Adjusters are knowledgeable about the ins and outs of the claims process and are familiar with the common practices of insurance companies, their most important contribution to the insurance claims process is their ability to define coverages as well as their expertise in interpreting insurance policies, which can be complex and difficult for the average person to understand.  These specialized skillsets play a key role in ensuring that policyholders receive the full amount of compensation they are entitled to under their insurance policy.

Another key benefits of working with a Public Adjusters is that they handle all of the details of your claim for you. This includes working with the insurance company, communicating with the insurance company, collecting and organizing all of the necessary documentation, presenting your claim of damages, and negotiating a settlement on your behalf.

Public Adjusters know what to expect from the insurance company and can help you navigate the claims process more effectively. They can also help you avoid common mistakes that can lead to delays or even denial of your claim.

Now, let’s talk about attorneys.  Attorneys are legal professionals who can provide a range of services, including representation in court and negotiations with insurance companies. If you decide to retain an attorney to assist you with your property insurance claim, they can help you in several ways.

One of the main benefits of working with an attorney is that they can provide you with legal representation. If your insurance company disputes your claim or refuses to pay you the full amount you are entitled to, an attorney can help you take legal action to recover your losses. They can also help you navigate the legal process and ensure that you receive a fair and just settlement.

Another benefit of working with an attorney is that they can help you navigate the insurance policy language. They can help you understand the terms and conditions of your policy, as well as any legal requirements that may apply to your claim. They can also help you determine if your policy covers your losses and what you need to do to file a successful claim.

In conclusion, both Public Adjusters and attorneys can be valuable resources when it comes to filing a property insurance claim. While Public Adjusters are specialists in the insurance claims process and policy language and can help you negotiate a settlement, attorneys can provide legal representation and help you navigate the complex legal process.

Public Adjusters and attorneys have a symbiotic relationship; both working for the best interest of the insured.  While our firm routinely refers clients to bad-faith attorneys, law firms also refer clients to us.  Each loss is different, requiring its own set of expertise.  Ultimately, the choice between a Public Adjuster and an attorney will depend on your specific needs and the nature of your claim. If you’re unsure which professional is right for you, it may be helpful to consult with both to determine the best course of action for your situation.  We would be happy to discuss your options with you and give you unbiased advice regarding which direction may be right for you.  If an attorney appears to be the best choice for you, we will give you names of attorneys in your area that specialize in insurance bad faith law and who have done good work for PCA clients in the past.

Written by Bernie Williams and distributed by the Property Claim Adjustment Team at Claim Adjusters Network, LLC dba: Property Claim Advocates Mr. Williams is a Founding Partner of Claim Adjusters Network and a C.A.N University Master Trained Public Adjuster course instructor. Mr. Williams has more than 20 years of well rounded experience in the insurance industry, including construction, insurance appraisal, public adjusting, and teaching.