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Independent Adjusters, Friend or Foe?

Hiring an Independent Adjuster for Homeowner Insurance Claims


When disaster strikes and your home suffers damage from water, fire, or mold, one of the first steps to recovery is filing an insurance claim. Insurance adjusters play a crucial role in this process, as they assess the extent of the damage and determine the compensation you're entitled to receive. While insurance companies often provide their own adjusters, there are compelling reasons why homeowners may benefit from hiring an independent adjuster instead.


Impartiality and Independence


Independent adjusters are not directly employed by insurance companies. This fundamental distinction means they are more likely to approach your claim with impartiality and independence. They have no vested interest in minimizing payouts or denying claims. Their primary goal is to accurately assess the damage and ensure you receive fair compensation.


Expertise and Experience


Independent adjusters are typically highly experienced professionals who have worked on a wide range of insurance claims. They bring a wealth of knowledge and expertise to the table. Their experience extends to various types of damage, including water, fire, and mold, which allows them to thoroughly evaluate the situation and ensure no details are overlooked.


Faster Claim Resolution


Independent adjusters are often more responsive and nimble in their operations. They understand the urgency of your situation and work efficiently to expedite the claims process. This can lead to faster claim resolution, allowing you to begin the restoration process sooner and minimize further damage.


Advocacy for Your Interests


Insurance company-provided adjusters, while trained professionals, ultimately serve the interests of their employer – the insurance company. An independent adjuster, on the other hand, works for you, the homeowner. They are your advocate in the claims process, striving to secure the maximum compensation possible to help you recover and rebuild your home.


Comprehensive Damage Assessment


Independent adjusters are known for their meticulousness. They conduct thorough assessments of the damage, leaving no stone unturned. This attention to detail ensures that all aspects of your claim are considered, including hidden damage and potential long-term consequences such as mold growth.


Negotiation Skills


The claims process often involves negotiation between the adjuster and the insurance company. Independent adjusters are skilled negotiators who can level the playing field when dealing with large insurance corporations. They have the experience and knowledge to effectively argue on your behalf and ensure that you receive a fair settlement.


Flexibility in Service Selection


As the homeowner, you have the freedom to choose an independent adjuster that you trust and feel comfortable working with. You can select an adjuster who specializes in the specific type of damage your home has suffered, providing you with tailored expertise.


Here at United Response have worked with hundreds of both types of adjusters, and we advocate and fight to ensure your insurance policy is honored 100%. It's important to hire a team that uses quality, integrity and a community focus as their guiding principals. Call United Response for a free estimate on any damage in your home, we are here for you 24/7.

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