Why Contractors and Public Adjusters Need to Work Together

In the event of property damage, both contractors and public adjusters play important roles in the recovery process.

Contractors are responsible for the actual repair work, while public adjusters help to ensure that the insurance claim is handled correctly.

When contractors collaborate closely with public adjusters, it benefits both parties and the homeowner.

Let’s look at how…

The Legal Landscape: Understanding Roles and Restrictions

  • Role Clarification: Contractors are instrumental in restoring the physical state of a property following damage. However, they are not equipped or authorized to handle insurance claims, which is a critical aspect of financial recovery.
  • Legal Boundaries: Attempting to intervene in insurance negotiations or claims can lead to legal repercussions for contractors, including fines or imprisonment. This activity is generally deemed unlawful across nearly all states.

Advantages of Partnering with Public Adjusters

  • Expertise in Managing Claims: Public adjusters are well-versed in insurance laws and regulations. This means that they can present claims in a way that supports the case for getting a correct settlement that covers the actual cost of the repairs. This not only benefits the policyholder but also helps to ensure that contractors can offer more comprehensive repairs.
  • Skilled Negotiation: As legally authorized representatives, public adjusters can negotiate with insurance companies on behalf of the policyholder. This allows contractors to focus on their area of expertise — the repair work — while the adjuster handles the complexities of the claim.
  • Potential for Larger Projects: When public adjusters are involved, insurance settlements can result in more extensive repair projects rather than mere patchwork. This means more substantial work and revenue for contractors who are part of the recovery efforts.
  • Referrals: Public adjusters often refer contractors to policyholders. Since adjusters are often contacted before a contractor is chosen for repairs, their recommendation can directly lead to new business opportunities for contractors.
  • Financial Benefits: When the settlement amount is increased by a public adjuster, contractors can benefit from larger payouts, as their fees are often tied to the total insurance proceeds.

Collaboration Leads to Better Outcomes

Working in tandem with public adjusters not only streamlines the recovery process but can also increase the financial benefits for all parties involved.

It helps to ensure that the repair work is adequately funded, and that all legal and procedural aspects of the insurance claim are handled expertly.

Invitation to Connect

We understand the importance of strong partnerships in our industry and are always looking to connect with professional contractors who are committed to delivering quality service and results.

If you’re interested in discussing how we can work together to better serve our clients, please reach out for an introductory call.

Let’s explore how our combined expertise can lead to greater success and satisfaction for the homeowners we support.