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Why You Need a Public Adjuster, Not a Lawyer, for Your Insurance Dispute

As a commercial property owner, you’re constantly balancing the demands of maintaining your property, dealing with tenants, and handling the financial aspects of your business. One unavoidable aspect of your duties is managing insurance matters – a domain that can sometimes become a hassle when you have a claim to file or dispute. This is where Stark Loss Consultants come into play. We specialize in advocating for policyholders during insurance claims, and here are four reasons you should consider calling a public adjuster, like us, rather than a lawyer, to handle your insurance disputes.

  1. The first reason is expertise in insurance policy interpretation. Public adjusters, like our team at Stark Loss Consultants, are experts in understanding the nuances of complex insurance policies. We have spent years dissecting insurance jargon, recognizing policy exclusions and endorsements, and understanding how they apply in various claim scenarios. On the other hand, while lawyers are indeed experts in law, they may not have the same in-depth understanding of insurance policies that a seasoned adjuster has.
  2. Second, public adjusters are proficient in calculating loss values. We are knowledgeable about the costs associated with rebuilding or repairing property, as well as replacing lost contents, which are essential for accurately estimating a loss. Lawyers, although proficient in law, may not have access to the same resources and tools used by adjusters to calculate these values accurately.
  3. A third reason lies in the fees associated with their services. A lawyer typically charges by the hour or may take a percentage of the settlement as their fee. Public adjusters, however, usually work on a contingency basis, which means they take a percentage of the claim settlement. This often works out to be less expensive for the client than hiring a lawyer. Furthermore, public adjusters are incentivized to maximize your claim settlement, as a higher settlement means a higher fee for them.
  4. Lastly, public adjusters can provide representation with less legal formality. Lawyers often approach disputes from a litigation perspective, which can be time-consuming, stressful, and expensive. On the other hand, public adjusters aim to resolve claims with your insurance company directly and amicably, bypassing the courts whenever possible. Plus, public adjusters are often successful at negotiating settlements that satisfy both the policyholder and the insurance company, helping to maintain your business relationship with your insurer.

In conclusion, when dealing with an insurance dispute, consider a public adjuster like Stark Loss Consultants. With our specialized expertise, dedication to your interests, and incentive to maximize your claim, we can effectively navigate your insurance dispute, saving you time, stress, and money.

Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.

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