When navigating insurance claims, many policyholders need help deciding whether to hire a public adjuster or an attorney. While both professionals bring valuable expertise, understanding their roles and specialties will help you determine which is best for your situation.
In this blog post, we’ll compare public adjusters vs. attorneys, so you can make an informed choice that maximizes your chances of success in your insurance claim journey.
PUBLIC ADJUSTER | VS. | ATTORNEY |
A claims specialist can save you money and expedite the settlement process if successfully negotiated; otherwise, the claim may end up costing you more in the long term. Best for claims with significant or complex damage, like a fire. |
Legal experts can increase the value of your claim through legal proceedings, if required. Pursuing a legal route may result in a longer and more expensive process. Best for denied, underpaid, or delayed property insurance claims. |
Public adjusters and attorneys bring unique qualities and expertise to the table when it comes to assisting with insurance claims. While they both play crucial roles, they possess fundamentally different skill sets that can greatly impact the outcome of your claim. Hiring a public adjuster or an attorney depends on the specific circumstances of the claim, the complexity of the case, and the policyholder's preferences and needs.
A public adjuster is a licensed professional who advocates for policyholders during the insurance claim process. They specialize in assessing property damages, interpreting insurance policies, and negotiating settlements with insurance companies.
Public adjusters work independently of insurance companies and are hired by the policyholder. Their main goal is to ensure a fair and accurate evaluation of the damages and to maximize the claim payout for the policyholder.
An insurance claim attorney is a legal professional who can specialize in various areas of the law, including insurance law. They’re licensed to provide legal advice, handle legal disputes, and represent clients in court.
When it comes to insurance claims, an attorney can provide legal guidance, review insurance policies, negotiate with insurance companies, and, if necessary, file a lawsuit on behalf of the policyholder.
The choice between utilizing the help of a public adjuster or an attorney ultimately depends on the specific circumstances of the claim. If you have worked with a public adjuster and your claim has not been resolved to your satisfaction, you should speak to an experienced attorney who can work with that adjuster to comprehensively review your case.
In cases with complex legal issues, such as disputed liability or coverage denials, attorneys can conduct thorough research, develop strategies, file lawsuits, navigate the court system, and effectively present the policyholder's case, while public adjusters cannot.
An attorney also enhances leverage during negotiations, since insurance companies recognize their power to pursue legal action. Insurance claim attorneys handle all aspects of the claim and ensure all legal considerations are appropriately addressed.
If your home or commercial property has been affected by weather, theft, fire, or vandalism, your insurance company is supposed to help you pay for the damages. If your insurance claim has gone unpaid or underpaid, you have rights. Protect your property and get the repairs you need by working with the experienced insurance attorneys at The Lane Law Firm.
Our Texas lawyers have been fighting and winning against insurance companies since 2009 and always keep your best interest at the forefront. Let us handle your denied, underpaid, or delayed property insurance claim and get you paid, risk-free.
Schedule your free consultation with The Lane Law Firm today!