What is a Content Specialist?
Homeowners Insurance Property Specialists Provide Claims Evaluations
Jun 21, 2006
A new claims trend has emerged: the advent of the content specialist or personal property specialist, also known as the public adjuster. In the old days, insurance claims adjusters employed directly or contracted for employment by an insurance carrier were the only option for assisting with and evaluating insurance claims. Now, there is another option after a loss to get the most out of an insurance claims settlement. What to know about content specialists:
How Public Adjusters Provide Claims Help
Contracted by homeowners, or parties representing homeowners, public adjusters arrive on-scene after a loss and rapidly begin appraising and evaluating the amounts and extent of damage, item by item, for the insurance claim. I first became aware of how content specialists help with claims when a neighbor experienced a horrific fire. In the midst of the clean up, a personal property specialist arrived, laptop in hand, and began going through the mountain of unrecognizable debris left from the fire. The public adjuster worked closely with my neighbors, forcing them to recall specifics about each and every item in the home for the homeowner’s insurance appraisal to help them with their claim. The final list of items for the homeowners insurance company numbered in the 1,000's!
Use a Personal Property Specialist for a Claims Investigation
If there is a choice between a company claims evaluation and a personal property specialist, independent claims assistance professionals have a lot going for them. They can provide a lot of help with the claims investigation. Typically freelancers or employed by a third-party company, homeowners contract with content specialists in the event of an insurance claim for help with the claims evaluation. In other words, these claims investigators are impartial. Experienced with many types of homeowner’s insurance evaluations and appraisals, content specialists have extensive product knowledge. They're also very research-savvy, which comes in handy when determining a property's market value and evaluating and investigating a claim.
Content Specialists Focus on Claims Help and Assistance
Content specialists focus on helping and assisting with claims. They don't have to keep claims payouts or claims services to a minimum to meet certain department-wide or company goals. Claims adjusters employed by homeowner’s insurance companies do have to worry about goals. In addition, public adjusters focus on getting homeowners faster insurance claims settlements. Content specialists help and assist with the claims process by putting together a thorough and accurate inventory of a home's contents, so the insurance claims adjuster can focus on settling claims.
Find Professional Public Adjusters for Claims Evaluations
It's important to find professional public adjusters to help with claims evaluations. Unfortunately, there are people who pose as public adjusters who are just shysters. Typically, personal property specialists are not going door to door trying to drum up business helping people with claims. So if someone shows up at the door after a disaster, make sure to check their qualifications with the state department of insurance or the National Association of Public Adjusters before hiring them to investigate and evaluate claims.
The new breed of public adjusters? I think they're worth asking for.
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