After experiencing serious damage to your property, you'll likely need a restoration company to help restore your home back to its pre-loss condition. But first, you'll need the help of a public loss adjuster to file your claim.
Public adjusters act as an advocate for the policyholder, ensuring the insurance company provides a fair settlement. Restoration companies, on the other hand, will be the ones doing the repairs. As you could imagine, there is some crossover in the process, so we're here to explain how and why we partner with restoration companies.
Key Points to Remember:
Public adjusters legally can’t provide restoration services
We can recommend a trustworthy restoration company
We can partner with your restoration company to get more information
Sometimes we consult restoration companies for an expert opinion
Some insurance companies will try to offer less for your claim settlement, IF you do not allow them to do all the repairs (with their choice of vendors, not your own)
We believe you should get the maximum you’re entitled to, and that you should have the ability to return your property to its pre-loss state.
Has your property been damaged? Calling a public adjuster before filing your claim will help you get more money for repairs! Give our team at Liberty Adjusters a call today to see how.
Are There Public Adjuster Companies That Also do Restoration?
No. It is illegal for public adjusters and restoration companies to take on the dual role of contractor and adjuster in Florida. Public adjusters represent policyholders when filing a claim, while restoration companies are responsible for repairing and rebuilding the damaged property.
Of course, if we are adjusting your damage claim, we need some base knowledge about how damage works, but offering both services would be a huge conflict of interest and may lead to legal action.
This situation can lead to serious repercussions for both the policyholder and the adjuster. So in order to protect the policyholder and provide them with the best possible service, we partner with quality restoration companies who are familiar with our claim process.
It is illegal for public adjusters and restoration companies to take on the dual role of contractor and adjuster, as this is a conflict of interest and can lead to legal action.
Can You Recommend a Restoration Company?
Yes, public adjusters can refer you to a restoration company, and here at Liberty Insurance Adjusters, we know some great people you can work with!
If your property has suffered damage due to fire, flood, or other natural disasters, you should immediately contact a public adjuster who can help assess the situation and work with you to file a claim and explain what to look for in a trustworthy restoration company.
When it comes time to hire a restoration company, you are under no obligation to use our recommendations. At the end of the day, it is up to you to research potential companies and decide which one is best suited for your project.
When Do We Work with Restoration Companies?
Not every claim will lead to us partnering with a restoration company, but there are a few circumstances in which we typically will. Such as:
When the Client Requests Us to Consult with the Restoration Company
If a policyholder wants us to work with their chosen restoration company, we are more than happy to do so. We can then provide advice and our expertise on how the damage should be managed and negotiated within the claim process.
When The Restoration Company Has Found New Information
If a restoration company finds new information or evidence that we were unaware of, we can work together to make sure it is included in the claim. This can help us negotiate an even better result for the policyholder.
Information is Key to your Claim > Documenting Damage
We Need to Consult the Experts Too!
Just like how you should contact a claims expert to get the most from your insurance claim, we occasionally need to contact the experts on damage to understand your claim better.
We may not be able to diagnose the source of all damage, so we work with restoration companies to get an accurate picture of what’s happening with your claim.
Second Opinions Can Help Your Claim
There will come a time we may need a second opinion on our estimate, and when dealing with an insurance company that doesn't want to pay out the full claim amount, it's always great to have another professional on our side.
Call Liberty Adjusters Today
When dealing with property damage, you'll likely need a restoration company to restore your home to its former glory. But first, you'll need the help of a public adjuster to file your claim. Although it would be nice to just have to work with one company, we are unable to provide restoration services as well; so that's why we partner with the best restoration companies for you.
If you've experienced home damage, call an experienced public adjuster to file your claim, like us here at Liberty Adjusters. We can save you time and money by making sure that all of the damage is accounted for in your claim and make sure you get the best settlement possible.
Don't wait, the sooner you call the larger your settlement may be! Submit your claim online today.