Get the Maximum Settlement To Which You Are Entitled! Hire a Licensed Public Adjuster – JF Public Adjusters New Jersey

DO NOT LET YOUR INSURANCE COMPANY DECIDE YOUR SETTLEMENT.

JF Public Adjusters are advocates for the insured. Having a public adjuster license means that we can only work for you, the policyholder, and never the insurance company.

Public Adjusters exist to level the playing field between you (the policyholder) and the insurer. Why?

You are vulnerable. You may have lost your home or a significant portion of your personal belongings. You may be temporarily displaced. In most cases, whatever damage sustained by your property resulted in your day-to-day life being upended. When you are in this position, you could feel pressured to accept just about anything, even a lowball offer, just to move your claim along, or just so you can get started on the repairs.

When you hire a public adjuster, you are hiring a person/entity that will look after you, without having your vulnerability. A public adjuster would be able to manage your claim objectively and advise you if the offer is too low and will work to get you a much higher settlement – the settlement that you are actually entitled to receive.

You are inexperienced in claims management. In your lifetime, you’re likely to file one major loss claim. Meanwhile, insurance companies deal with claims every single day. What this means is that when you file your claim, you’re at a clear disadvantage because you don’t know the process. If you make a critical mistake, for example, failing to comply with your duty to mitigate, this could result in your claim being denied. Furthermore, if you don’t know the process or your rights, your claim settlement could be delayed or be much less than what you are entitled to.

A public adjuster working for you would significantly speed up your claim. At JF Public Adjusters, we understand your duties as a policyholder and will ensure you keep your end of the insurance contract, so you maintain your eligibility to receive a full settlement. We have the experience and expertise to manage your claim to a fair settlement.

You don’t have the time to manage a claim. The claim process could take weeks or months, depending on the severity of the damage and how quickly your insurer actions your claim. If you leave your insurer to handle your claim at their own timeline, it could take you a while before you are settled. Sometimes, constant follow up with speed it along. This is a time-consuming process and it’s understandable for a policyholder to not have the time to deal with this in addition to everything else they’ve had to do because of the claim event.

If you’ve had a significant amount of your personal belongings damaged by the claim event, such as when an entire home is destroyed in a fire, creating a thorough inventory could feel like a full-time job.

With a public adjuster on your side, you get access to a full team that would stay on top of your claim.

A public adjuster could enlist the help of contents specialists who could meticulously create your detailed personal item inventory.

You don’t know which contractors to use. You’ve probably never had to deal with remediation companies until now. Not all contractors take on insurance recovery jobs, meaning you’ll have to pay upfront for those contractors. If you don’t have the funds to pay, you have to find a contractor that’s willing to work out their payment with the insurer.

Having a public adjuster working for you means having access to a network of contractors to attend your home and perform the necessary repairs. These are contractors who understand and accept that they will recover their payment from the insurer. Your public adjuster can help you, instead of you having to take care of this on your own.

You don’t have the expertise in construction and building codes to understand repair estimates and determine if the offer made by your insurer is fair and reasonable.

Relying on your insurer alone could lead to a significant financial loss for you. A study by Bloomberg found that it is not uncommon for insurers to offer a settlement amount that’s up to 70% LESS than the actual cost to repair a building.

A public adjuster would be able to prepare or obtain estimates that accurately reflect the cost you would incur to return your property to its pre-loss condition.

You are not an expert in interpreting insurance policy wording. What would you do if you received a claim denial letter from your insurer accompanied by an engineer’s expert report? Would you simply accept the denial?

Your public adjuster would have the knowledge, experience, and expertise to interpret policy wording and identify what you are entitled to. They would have the ability to prepare a rebuttal to the denial or escalate your claim to appraisal, as necessary.

Having a public adjuster on your side could spell the difference between you suffering extensive financial loss and you being able to pay for the repairs of your property.

If your property has recently sustained damage due to water (broken pipe, leaking appliance), fire, smoke, snow, wind, hurricane, or malicious intent, we can help.