BALL & BOYD PUBLIC ADJUSTERS, INC.
Public Adjusters are experienced, licensed professionals who are employed exclusively by a policyholder who has sustained an insured loss. We protect the interest of the home or business owner. When someone hires us to represent them we advise them of their rights and obligations in the claim process. We handle every detail of the claim, working closely with our client to obtain the maximum potential settlement.
Because you’ll never obtain the amount we will even after deducting our fee. Because you don’t know what to do, you don’t know what NOT to do, and you don’t have the time. Damage is a matter of opinion….which is subject to negotiation…. which requires knowledge and experience. Knowledge and experience is precisely what we bring to the process.
The sooner the better. As soon as someone knows or thinks they have a loss, they should contact us. We can get involved at any point in the process, but the less that has been said and done, the easier it is for us to get up to speed and get your claim on the right track. We see the train wrecks of claims in process without our expertise all the time, and it’s painful to witness. Does it make sense to call your lawyer AFTER you’ve plead your case to the judge? Of course not!
A public adjuster works exclusively for the policyholder …. not the insurance company.
In order to be at the point of a settlement, the insurance company would have sent out their own adjuster to assess the damage. The adjuster for the company would come up with his/her own figures first and would make you an offer. What if something was missing?…what if they were not being fair in their assessment of the damage? We deal with many insurance companies and adjusters and the claim goes much smoother if we are involved from the start. An agent’s expertise lies in securing coverage at the best possible price, they are not adjusters and they represent the company…not you.
Contractors hire us and recommend us all the time because they don’t know anything about insurance policies. They also don’t know how to detail the damage the way that’s needed for a proper presentation which leads to a proper settlement.
The staff and independent claims adjuster both work for the insurance company, while a public adjuster works only for YOU. We have no interest in anything other than the best possible outcome for you. We do this everyday, and have been doing it for over 30 years…and we do it well! Thousands of past clients will attest to that.
The company adjuster is working for and answering to the insurance company. They are not obligated to serve your interests, and have absolutely no concern over whether or not you will recommend them in the future. They do not, will not, and cannot work for you.
Your claim will go smoother, the end result will be better, and you will waste much less time if we are involved from the start. Ideally, you will call us before anyone else, which ensures every step you take is the right one. Our adjuster will direct you to an emergency service company, advise what you can and cannot do, and set the expectations of the insurer properly. We might save you from the trouble of starting a claim that is not even covered by the policy. We dispatch a representative to assess your situation under no obligation to you. Remember, we only get paid when you get paid.
It will actually speed it up because we’re very efficient in assembling and presenting a claim properly. The greatest barrier to a quick settlement is the resistance by the adjuster and/or the insurer in agreeing to a settlement amount that we can recommend to our client. If you’re satisfied with the first or second offer, you can take the money (even if we recommend not settling); if we think they owe you more, and you agree, then we’ll need more time to get more money. We will always advise you as to how much more time might lead to how much more money, so you’ll get to weigh the cost/benefit and make an informed decision.
Of course not; that’s just silly. Can you prepare your tax return better than a CPA? Can you represent yourself in court better than a lawyer? Highly unlikely. Most people have never had a property damage claim before so they don’t know where to begin; they don’t know the next step at any point in the process, and they don’t know when to settle. We have many years of experience in preparing, presenting and negotiating settlements. Thousands of local references will attest to our successful settlement of their claims. We do this every day. Do you really want to try to do this by yourself and probably cost yourself thousands, maybe tens of thousands of dollars?
