Reading and understanding an auto, life, or home insurance policy can be challenging under any circumstances. However, after some type of accident or catastrophe occurs, the task can become virtually impossible. It will not be easy for you to concentrate on the clauses in the policy, the sub-clauses, or the endorsements or riders when you are worrying about where your family may be living. The fact is that understanding the policy details and knowing what steps you need to take to make a claim is essential since it is the only way you will receive a fair settlement from the insurance company.
This is where the services of an insurance adjusters in Hampton NY can be beneficial for your situation.
What is an Insurance Adjuster?
An insurance adjuster is the individual who will help you to move through the insurance process when you have a big claim, which is typically considered $10,000 or higher. Unlike the claims adjuster who is working for the insurance company, the insurance adjuster will be working for you and has stake in you receiving the biggest fair settlement you are entitled to. The state where you reside is responsible for regulating insurance adjusters, and they also set the requirements that they must follow.
An insurance adjuster is a person who is familiar with all the ins and outs of various types of insurance policies as well as the claims processes. They will provide you with assistance with inventorying everything that you lost and help you get the estimates for the cost to replace these items. The adjuster will also help to ensure you have completed all of the paperwork and taken the proper steps to file a claim.
Insurance Adjuster Charges
For the services they provide you, insurance adjusters will charge a certain percentage of what you are able to successfully recover from the insurer. This can be as high as 15 percent. There are some states that limit this percentage; however, this varies.
If you need an insurance adjuster to help with your situation, it is recommended you find one by contacting your lawyer or by asking friends or family members for recommendations. These individuals can provide you with help during a difficult and trying situation, which is why you should consider who you hire extremely carefully. You should also ensure they are charging a percentage that is fair.
If you are facing any type of situation where you have to make an insurance claim, hiring an insurance adjusters in Hampton NY can be extremely beneficial. Contact Rubin & Rosen Adjusters for more information.
