The worst fear of any home or commercial building owner — especially as we head into storm season — is catastrophic damage to their property. While many people carry insurance intended to protect their property from these exact situations, rising premiums and an increasing number of retaliatory nonrenewals are leaving homeowners uneasy about making a claim.
When a homeowner or building owner goes to actually use their insurance, they are typically met with an ambiguous, confusing, and arduous claims process. To make matters more troubling, insurance companies do it this way intentionally, hoping that policyholders are intimidated by the process, don’t know that they can negotiate, or will think it’s not worth the effort, and accept the first offer they receive.
This practice is why one study found that 77% of insurance claims in California didn’t fully cover replacement costs. This deficiency is indicative of the broader issues within the insurance industry as a whole: when damage occurs, insurers rarely provide the coverage that policyholders pay for.
What are public adjusters, and what do they do?
That being said, homeowners and commercial property owners do not have to navigate the complexities of this process alone. Instead, policyholders should consider hiring a public adjuster to assist with filing their claim. Public adjusters are licensed insurance professionals who can help policyholders interpret their policy, estimate losses, submit claims, and negotiate with insurance companies, helping them to receive the maximum possible settlement amount.
However, before entrusting your insurance claim to a public adjuster, you should feel confident in both their technical abilities and their moral compass. People filing insurance claims need an advocate who is skilled and trustworthy, and is looking out for their best interest.
This is precisely what Ted Patestos and his team bring to Tiger Adjusters, the first public adjusting franchise that was built to redefine the industry by elevating standards, prioritizing ethics, and increasing transparency in a space long defined by confusion and mistrust.
The values of the Tiger Adjusters team speak to a commitment to excellence in service of policyholders:
- Trustworthiness — emphasizing honesty and reliability in all dealings
- Innovation — encouraging creative thinking and adopting new technology
- Guidance — offering expert advice and direction to clients
- Empathy — understanding and addressing client needs with compassion
- Resilience — adapting and thriving amidst changing market and environmental conditions
At Tiger Adjusters, both residential and commercial property owners receive personalized attention and insurance claim help from licensed professionals who have a fiduciary duty to get them the best settlement possible.
How Tiger Adjusters is revolutionizing consumer advocacy in public adjusting
Tiger Adjusters stands out in the public adjusters space thanks to its nationwide reach and depth of experience. With offices across the country and millions of dollars in settlements recovered for clients, the company assists with all types of property damage claims, including wind, hail, water, fire, and flood.
Tiger Adjusters offers no-cost property inspections and policy reviews, helping prospective clients capture a full and accurate account of all damages and understand the best course of action forward with their claim. When a policyholder signs with Tiger Adjusters, the team creates a damage estimate, files the claim, and handles all necessary paperwork and communications to negotiate the claim on the client’s behalf for an appropriate settlement to restore their property.
Ultimately, the role of a public adjuster — especially at Tiger Adjusters — is to serve as an advocate for the insurance policyholder. “We don’t work for the insurance companies,” asserts Patestos. “We aren’t trying to make the insurance companies profit. We care about helping the homeowner or building owner get what they are owed to recover from damage.”
It’s important to remember that your insurance company is a multibillion-dollar corporation with virtually unlimited resources at its disposal. Having a knowledgeable, trained ally on your side, like a public adjuster from Tiger Adjusters, can be the difference between getting what you deserve in a claim and getting taken advantage of by the insurance company.
Unfortunately, since insurance policies are often written in dense “legalese” that isn’t easy to understand for the average person, many policyholders might find themselves the victim of exploited loopholes or accidental oversights. Because public adjusters have extensive experience with insurance claims, state regulations, and compliance timelines, they can help hold the insurance company accountable to the language of the policy documents they signed with the policyholder and to the state-mandated requirements that govern property insurance. The team at Tiger Adjusters can help homeowners and business owners navigate the claims process effectively and achieve a better outcome than if they had weathered it alone.
Indeed, according to a report by the Office of Program Policy Analysis & Government Accountability (OPPAGA), claims submitted by a public reporter resulted in payments that were 747% higher on average than those filed by the policyholder. This stunning figure from a government study shows the value of working with a public adjuster to maximize the value of an insurance claim.
If you suffer damage to your home or commercial building and need help navigating the complex insurance claims process, consider consulting Tiger Adjusters for help receiving a fair settlement.
