The aftermath of a disaster is confusing and frustrating enough without trying to recall the particulars of your possessions. For items destroyed in fire or flood, a household inventory will help you remember what you had. Insurance adjustments are expedited more efficiently when information can be gathered from current documentation.
I don't know much about Ms. Trimble, but I have to admit a certain fondness for her now!
Public Adjusters In The Blogosphere: A public adjuster is a claims adjuster working free-lance, not employed by an insurance carrier. Public adjusters help individuals in contentious insurance claim settlements, but usually at a hefty price (10-15% of the final settlement). The (poorly written) Tampa Bay Real Estate blog discusses how public adjusters can help.
Your insurance company sends out their personal insurance adjuster, that has one thing in mind, to close the claim as cheap as possible.
A word of caution. Public adjusters do not have the best reputation among those in the insurance industry, as you can imagine. Some public adjusters have a reputation for artificially inflating the size of claims, and insurers tend to lump all public adjusters into that category. Bringing a public adjuster into an insurance claim is sort of like demanding to speak to your lawyer in a TV cop show. "Why do you need a public adjuster, we're all friends here?"
We'll stop there for today. Thanks for tuning in!
Farley Home Services provides inventory documentation to homeowners, tenants, small business owners, and landlords. Please visit EverySingleItem.com to see how we can serve you.
