Over the past few decades, I’ve learned that my role as a public adjuster is often to be an interpreter for the insurance company. Large insurance providers typically fill their policies with terms that homeowners don’t understand. When I arrive at a loss location, I make it a point to talk to the policyholder in plain language.
At Avner Gat Inc., our fees are based on a percentage of the total settlement amount. While I am always happy to help with an insurance claim, I strive to empower homeowners to manage their own negotiations whenever possible. I never want to take money from homeowners in total loss cases. Instead, my team may give advice or recommend restoration professionals. Typically, when I simplify the terms in the insurance policy, homeowners will discover they might not need a public adjuster.
Corporate insurance adjusters don’t always speak clearly, leaving homeowners to feel they are being misled. At that point, people begin to worry and they look for help online. That’s why I’ve created this simple glossary of terms to help you interpret the industry jargon in your homeowners insurance policy. Please do not hesitate to contact me if you have any additional questions!