Like one of our Kentucky clients once said, “I don’t want a nickel more than I’m due but I don’t want a nickel less either”. We think he spoke for a lot of people who have to file a large property insurance claim. As you might expect, after experiencing extensive damage, one of the biggest concerns of property owners is being adequately compensated. Many people have heard horror stories about homeowners or business owners being unfairly treated and losing tens of thousands of dollars. This doesn’t have to happen and, with the right experts on your side, you can get every “nickel” you are entitled to.
How Can A Kentucky Public Adjuster Help?
As public adjusters, we get this question a lot. Many people confuse insurance adjusters with public adjusters. They both have the same skills and knowledge. However, an insurance adjuster works exclusively for your insurance company, and a public adjuster works only for policyholders. While the insurance adjuster is on the side of his employer (your insurance company) a Kentucky private adjuster or Kentucky public adjuster is on your side and is charged with the responsibility of helping you maximize your settlement.
What Does The Howarth Group Do?
Mayfield KY Tornado Damage
When your residential or commercial property is damaged, it must be inspected to calculate
the total value of the loss. If you do not hire a public adjuster, your insurer will have the final say in how much compensation you receive and you will be left with few options other than to accept it. A public adjuster composes supporting data for your claim based on the damages. Next, the public adjuster reviews your insurance coverage and calculates the replacement value of ruined items and parts of the structure. Finally, a public adjuster helps you submit your well-supported claim and remains an advocate for you throughout the entire process and until you have a check with the most equitable amount possible in your hand.
Another effective means for reaching an equitable insurance settlement is called Appraisal. Almost all insurance policies in Kentucky allow for an Appraisal if the insurer and policyholder disagree on the value of the loss. The Appraisal process allows for an impartial panel of three people to do a thorough examination of the property to determine the accurate value of the loss. Many times, but not always, you will have the opportunity of choosing as your appraiser a licensed public adjuster. (See, “Appraisal”).
What Types Of Claims Do Public Adjusters Handle?
As Kentucky Public adjusters, we are trained to analyze damages from many types of events, some examples of events that may cause major losses to include:
- Water damage
- Wind storms
- Burst pipes
The Howarth Group helps Kentucky residents recover from commercial and residential property losses after these types of events. With over 30 years of experience, it is easy to see why The Howarth Group is a trusted name. When you work with us, you will always keep 100% of your insurance company’s initial structural settlement offer. If we agree to get involved in your claim our compensation will consist of only a small part of any additional amount that we can add to that. If we cannot increase the size of your settlement, you will owe us nothing.
We also have Inventory Specialists that can help homeowners list and price all of their personal property lost in a disaster. People tell us all the time that this is the most valuable service we provide. (see “Inventorying of Contents”)
We service the following areas:
To speak with an affordable, reliable, and experienced public adjuster, contact us today. Our toll-free number is 800-647-2236.
Links – Public Adjuster homepage
Tennessee Public Adjusters