Public Adjuster Chapel Hill NC Near Me

Your Insurance Company Has An Adjuster.
You Should Too!

Public Adjuster Chapel Hill NC Advocate: There is a significant conflict of interest when an insurance company sends out their adjuster—someone they pay—to determine how much they owe on your claim.

THEIR Adjuster,
Who is someone THEY pay
To determine HOW MUCH
THEY will pay-out
On YOUR CLAIM!

Your public adjuster Chapel Hill, NC will work on your behalf so that YOU, the policyholder, receives the maximum amount you are entitled to for the claim damages suffered. We offer a FREE REVIEW of your insurance claim.

At For The Public Adjusters Chapel Hill NC, our team of professional, state-licensed public insurance adjusters, is ready to represent YOU – just like the adjuster that represents your insurance company.

Have Questions? Speak To A Public Adjuster

Have all your property claim damage questions answered for free. No sales pitch, No pressure. Just answers.
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How can a Public Adjuster Chapel Hill NC help you?

We are independent public insurance adjusters serving the Chapel Hill, NC area. For The Public Adjusters, Inc. is available to answer your insurance claim questions and offer guidance for damages caused by fire, smoke, wind, water, flooding, theft, hail, and hurricanes. Contact us to have all of your insurace claim questions answered!

HERE’S WHY YOU NEED TO HAVE AN

Independent Public Insurance Adjuster On YOUR Side

As if severe damage to your property isn’t challenging enough, the second ordeal often involves dealing with your insurance company or their adjuster.

Many Chapel Hill insurance claims can become highly complicated due to the extensive damage to property.

And, as you might expect, most insurance companies want you to believe they will fulfill their policy obligations and cover all damages incurred.

Yet, more Chapel Hill area policyholders are finding themselves fighting with insurance company representatives.

Insurance company adjusters act like policyholders are trying to take “their personal money.”

The facts are clear when it comes to any type of claim you have. It’s not the adjusters money, or the insurance company’s money…

It’s your money! 

You, the policyholder, the person who has paid the premiums, are entitled to the full “Amount of Loss,” for the damages that your home or business has suffered.

You should consider a public adjuster Chapel Hill, NC that is working for you, not the insurance company.

You should not consider fighting a homeowners or business owners claim alone.

Well, technically, you can. But, we encourage you to bring in the Chapel Hill area experts. Here’s why:

1. Their Adjuster

The insurance company will send out a claims adjuster (a hired gun) that works for “them” to assess and value the property damage you have suffered.

2. Their Advice

‘Their’ adjuster will advise you on how much ‘they’ owe for your claim. Or worse yet, how much “they” are willing to pay for the damage “you” have suffered.

3. Their Play

How do you know if ‘they’ are correct, or missing items, or purposely excluding others?

They sure have a lot of advantages by sending
their claims adjuster to your property.

Can You See How Your Insurance Carrier Holds All The Power Over You, The Process, And The Value Of Your Claim?

Shouldn’t You Consider A Representative, Who Is Looking Out For You, To Assess And Value The Property Damages You’ve Suffered As Well?

Would it make sense to enter a legal matter without proper representation? It’s like asking the IRS to handle your taxes—something no reasonable person would do. So why let your insurance company determine the value of your claim?

There’s a significante Conflict of Interest when an insurance company represenative represents both sides of the claim.

It makes sense, right? Would you want to stand trial for murder without an attorney? Would you feel comfortable if the jury only heard from the state’s attorney or the victim’s attorney?

Sounds absurd, doesn’t it?

Can you see the issue and the conflict of interest in a claims process where only one adjuster—who works for the insurance company—is involved?

Who is working on your behalf? Who is representing the policyholder, homeowner, or business owner?

Unfortunately, in most cases, no one is there to guide and assist you. Homeowners are often left to handle the claim on their own.

Or worse, many simply rely on the insurance company’s adjuster to determine the value of their loss.

1. Do You Know?

How do you know if the insurance company is paying all that your insurance policy allows?

2. Your Policy?

Do you know and understand everything in your policy?

3. Coverage?

Do you understand your coverage and the convoluted language of the insurance policy?

4. Your Costs?

Do you understand all the cost of repairing or replacing your home or building?

” We hired For The Public Adjusters after we had a house fire.

“Our insurance company just didn’t want to do anything for us. For The Public Adjusters, Inc. got us more than what the insurance wanted to settle for and we finally got a settlement and are moving on with the whole rebuilding process.”

John A.  | More Reviews

Great Assistance, Enough Money Received!

I sought assistance from For The Public Adjusters, Inc. recently after my whole house caught on fire and destroyed everything. Fortunately, they were able to get me enough insurance money to cover the damage. The employees were polite, professional, and very helpful. This was my first time using them, fortunately. I would highly recommend For The Public Adjusters, Inc. for any who suffered a big accident and needs assistance!

Marisol H. | More Reviews

Insurance companies do not want anyone representing you.

 They know that your inexperience will save them tens of thousands of dollars by minimizing your claim!

Having an Independent Public Adjuster working for you will increase your claim proceeds by 747%.

Keep this fact in mind.

A Study conducted by the ‘Office of Program Policy Analysis & Government Accountability (OPPAGA)’ stated the following:

“Policy holders with public adjuster representation typically received higher settlements than those without public adjusters.

Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons.

 

%

“The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the 2006 hurricanes.

“In contrast, policyholders who did not use a public adjuster received typical payments of $18,659.

“The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher.”

As a Chapel Hill area resident, can you really afford to give up an additional 300% to 1500% in claim proceeds by dealing with the insurance company by yourself?.

Take action now!

We are Public Insurance Adjusters providing residential & commercial claim help in the Chapel Hill, NC area. We are local and located NEAR YOU!

At the very least, speak to a private claims adjuster to get some advice. It does not cost anything to speak to someone.

For The Public Adjusters List Of Services Near You

Fire Claims

Many policyholders allow their insurance company's adjuster to inspect their building, estimate and process their entire claim, and generate a value of their full fire insurance claim — without asking any questions. Without even considering if the insurance adjuster is correct! We are IICRC Certified for Fire Damage.

Water Damage

Water damage from broken pipes, overflows, appliances, rainstorms, etc. is one of the most common types of property damage claims. The costs of drying and reconstruction after water infiltration are very costly. Insurance company adjusters are NOT Water Damage Certified. However, OUR ADJUSTERS ARE!

Wind Damage

Many home and business owners can see damage to their properties. However, most wind and hail damage cannot be seen. Not having your home properly inspected can result in Tens Of Thousands of dollars in damages over and above the damages caused by the storm. We will inspect your damages at NO COST!

Hail Damage

Recovering financially from a hail damage claim can be challenging. Many claims adjusters and carriers often have different standards or guidelines in their claim processing manuals of what is considered hail damage and/or how many hail hits are needed to consider coverage. Our trained Public Adjusters got you covered.

Hurricane Claims

Hurricanes spread devastation throughout North Carolina. The aftermath leaves you on an unfamiliar playing field; dealing with an unfair insurance company holding the money you need and acting like your claim proceeds is personal money from their personal bank account.
Tornado Damage Insurance Claims Help - NC, VA

Tornado Claims

It is not unusual for property insurance companies to deny claims, or fail to adequately and promptly pay for the damages after a storm. These insurance companies refuse to cover damages to your house or building, personal property and other coverage for which you have paid premiums.

Theft / Vandalism

A theft or vandalism is not only a breach of personal security and a major source of anxiety, but it's often also the beginning of a long battle with insurance companies for proper coverage. Most theft claims can be very complex due to the large amounts of property that is damaged.

Get Started

For The Public Adjusters, Inc. will answer your insurance claim related questions and provide advice and assistance for insurance related damages that are a result of fire, smoke, wind, water, flood damage, theft, hail, and hurricanes. Speak with a Licensed Public Adjuster today!

Public Adjuster Chapel Hill Tips & Resources

Dealing With Insurance After A Fire Damage Claim

Dealing With Insurance After A Fire Damage Claim

A house fire can be a devastating event, both emotionally and financially. As you begin to rebuild your life, you may find yourself dealing with another challenge: dealing with insurance after a fire damage claim. While insurance is designed to protect you during such...

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How To Get More Money From Your Fire Damage Adjuster NC VA

How To Get More Money From Your Fire Damage Adjuster NC VA

Dealing with an insurance company adjuster after suffering fire damage to your property can be exhausting. Some fire claim adjusters are simply unreasonable and difficult to deal with. Here are some tips to help you get the most out of your fire damage insurance claim.

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Insurance claim damage tips for new or open property claims

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Tip 1: Obtain Details Of Your Home Building

Claim Tip 1. During Your Claim Process — Obtain Details Of Your Home Building – Take the time to inspect and document the damage as thoroughly as possible. If you can’t do this yourself, consider hiring someone to assist. Start by taking photos of both the damaged and undamaged areas in each room. Begin with a wide-angle shot of the room that shows the overall damage, followed by detailed close-ups.

For example, start with an overview photo of the entire room. Then, take a wide shot of the damaged ceiling, followed by close-up images of the ceiling damage. Do the same for the walls, windows, doors, and floors—first taking an overview, then detailed photos of the damage.

Work systematically, moving clockwise around the house or building. As you enter each new space, like closets or hallways, take an overview shot and follow the same process for the detailed photos. This approach will help you stay organized and ensure that each photo corresponds to the correct room. (For now, focus on the structure itself—no need to photograph the contents just yet.)

Tip 2: Document Your Belongings Damage

Claim Tip 2. During The Claim Process – Document Your Belongings/Contents – The next step is to document and inventory your damaged belongings, such as clothing, furniture, electronics, and appliances. To do this efficiently, revisit each room in the same order as before.

Start by taking overview photos of each item—furniture, electronics, shoes, clothing, etc. Follow up with close-up photos that show any visible damage on the individual items. As you do this, write each item down on a Contents Inventory Form. Organize your belongings the same way you organized the room damage—start with an overview of the room, then work clockwise around, listing and photographing each item along the way.

For example, in the master bedroom, take a wide shot of the room, then move left, documenting each item on every wall until you return to the starting point at the doorway. This process ensures you don’t miss or forget any damaged items.

Once you’ve completed the master bedroom, repeat the process in the master closet and master bathroom. After that, move on to the next room, taking an overview photo and documenting the items in the same organized fashion. Be sure to label each inventory sheet with the name of the room at the top. This will keep your photos and inventory list aligned and easy to follow.

Tip 3: Review Of Your Policy

Claim Tip 3. During Claim Process – Review Of Your Policy – Insurance claim victims should take some time to review their policy carefully. Many policyholders are often unaware of basic details such as:

  • The amount of coverage they have on their home or building.
  • The coverage available for their personal belongings (furniture, clothing, etc.).
  • The amount of coverage provided for temporary living expenses, such as staying in hotels or renting a business location, rental home, or even furniture.

Surprisingly, most people aren’t familiar with this essential information. Unfortunately, many lose their policy within the damages suffered. If that happens, you can request a “certified true copy” of your full insurance policy and endorsements from your agent. It’s also a good idea to have your agent explain how much coverage is included in your policy.

Tip 4: Consult With A Professional

Claim Tip 4. During Claim Process – Consult With A Professional – When your insurance company assigns an adjuster to inspect your claim damage, they estimate the losses based on their own assessment. It’s crucial that you have the same process done on your behalf. How can you be sure the insurance adjuster from your carrier has accurately and thoroughly evaluated the damage? Would you risk losing tens or even hundreds of thousands of dollars by not taking the necessary steps to verify their work?

Your insurance adjuster is supposed to explain all the fire claim coverage available to you under your policy, but this is rarely offered voluntarily. In fact, the failure to disclose certain coverages often happens intentionally. Yes, you read that right—coverage information is often withheld unless you specifically ask. This is your home, your belongings, and your money. You paid for that coverage, and it’s essential to educate yourself to ensure you receive full compensation for the damage you’ve suffered.

Considering this, it may be wise to hire an independent insurance claim professional. The insurance company has its own adjuster working for them—shouldn’t you have one working for you? A Public Insurance Adjuster can advocate on your behalf, reviewing the insurance company’s estimates, inventory lists, and damage assessments to ensure they reflect the true cost of repairing or replacing your damaged property. Hiring an expert helps ensure you’re compensated fairly and receive what you’re entitled to under your policy.

We will asnswer your questions at NO COST. Call (567) 888-HELP (4357)to have all your questions answered. Or fill out our Contact Form and someone will call you at the time you select.

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