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Dealing with a Home Disaster with Less Stress

Your New Jersey Home is a place of safety and security, a refuge from the storms of life.  However when and if disaster does strike, you may need a little know-how to get through the process of filing an insurance claim and you will likely be surprised at the amount of time consumed with such a process.  Obviously, you will have as one of your key concerns the costs involved with the restoration of your home in regards to what your homeowner’s insurance may cover. Homeowners insurance policies is mandatory in the state of New Jersey ( if you have a mortgage). Each one of these policies have different stipulations and the policies change from time to time. If you are feeling a little overwhelmed from the stress , getting in touch with a public insurance adjuster could be helpful. The public adjuster will handle all the details of your pending insurance claim, they will research what is the best source of restoration for your New Jersey home and they probably will remove a whole lot of stress from the siduation. Public adjusters work on a contingency and they receive a small percentage of the insurance claim as payment, so nothing out of the pocket for home owners.

While navigating through the insurance claim procedure is not impossible ,the process is one you can research on your own, you may find that turning to an additional public adjuster for aid in documenting your insurance claim to be very helpful. A public adjuster works independently from your insurance company and can evaluate your home and damage and coverage to determine the best means of reporting your loss.

Here are some steps to follow when hiring a public adjuster:

  1. Only interview and hire an adjuster who is licensed and ask about their level of experience.
  2. Make sure you speak directly to the adjuster who will be evaluating your loss each time you call regarding your property, to lessen the risks of misunderstandings.
  3. Question the adjuster’s experience and credentials and call past client referrals and ask for details. Your adjuster should be willing and able to supply you with this information easily.
  4. Double check that the adjuster you are working with is local and will work with any contractors you want to hire, if necessary.  Ask if they will help you in calculating living expenses, if applicable, or just with damage estimation.
  5. Educate yourself.  Since public adjusters work on contingency fees ranging from 5% to 15% of the insurance proceeds, it is wise to negotiate these fees and have them defined in a signed contract.

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