New Jersey, a state in the Mid-Atlantic and the Northeastern region of the United States, is home to over 9.3 million people. It is counted amongst the eleventh most populous states in the country. Unfortunately, as per the most recent reports, New Jersey is uniquely prone to flooding, with about 80 percent of its population living in flood-prone areas.
If you are a resident of this beautiful state, hiring a public insurance adjuster can be a great decision to safeguard your property. These professionals can assist you in getting the most out of your insurance claim and make sure that you are able to get through any major property loss or damage.
However, when looking to hire a public adjuster New Jersey, it is essential to ask the right questions to be sure they are the right fit for your needs.
Here you will learn about eight questions that you should ask before hiring a public insurance adjuster.
8 Simple Questions To Ask Your Public Insurance Adjuster in New Jersey
What Is Their Experience?
One of the most important questions that one needs to ask when looking to hire the services of a public adjuster is about the experience they hold in dealing with insurance claims.
You want to be sure that the insurance adjuster you hire has plenty of experience dealing with claims like yours. The experience that an adjuster has will significantly determine the quality of service and advice you can receive from them for your case. This is important as working with an inexperienced service provider may prove counterproductive for your case.
How Many Claims Have They Handled?
This question can give you a good idea of the public insurance adjuster’s experience. If they’ve been in the industry for a long time, but only handled a few claims, they may not be as experienced as you would like. It may also indicate that they have had trouble finding clients thus far.
On the other hand, if they have handled hundreds of claims, you can be sure that they have sufficient expertise in the field, and know what they are doing.
What Is Their Success Rate?
You also want to ask the public adjuster about their success rate. It will give you an idea of how often they can get the insurance company to pay out what is owed to the policyholder. A high success rate indicates that the insurance adjuster knows what they are doing.
Have They Worked with Your Insurance Company Before?
It is also a good idea to ask the public insurance adjuster if they have worked with your insurance company before. If they have, they will likely be familiar with their claims process and may get your claim paid out faster.
What Is Their Fee?
Another critical question to ask the public adjuster is what their fee is . The cost for a New Jersey public adjuster can vary depending on the services that you need. On average, they charge about 10% of the claim amount.
They should give you an estimate of how much they will charge for their services. Be sure to get this in writing to avoid surprises later on.
Do They Have An Errors And Omissions Policy?
Public adjusters should have an errors and omissions policy. This will protect you if they make any mistakes while working on your claim. Before hiring a public insurance adjuster, make sure to inquire about this.
When Can They Start?
You will also want to ask the public insurance adjuster when they can start working on your claim.
If you need them to start right away, be sure to let them know so that they can make arrangements.
Do They Have Any References?
Finally, you should ask the public adjuster in New Jersey if they have any references.
It will give you a chance to talk to other people who have used their services and get an idea of what they can expect.
Asking these eight questions will help you hire the right public insurance adjuster for your needs. Be sure to take your time and ask around to find the best person for the job.
