It actually goes without saying that where you happen to suffer loss of property or damage to them like would be in an accident or fire damages and you had the property insured against these, then it would obviously follow that after the occurrence of such you would want to start the claim process for these losses that you may have suffered. When it comes to the times for these kinds of claims, chances are so high that you would be working with an insurance adjuster as they are the ones who will be assigned to assess the damage and figure out what is that is to be paid.
By and large, even though filing for a claim happens to be known for the effects of increasing your insurance rates in the future and can be quite burdensome, for a majority of the policyholders when they get to suffer loss or damage on their property will opt to file for these and pay the deductible instead of taking on their own the entire financial burden that follows these eventualities and this is more so for the risks such as car accidents and disasters like fires and flood damage restoration.
To start the claim process, you need to first contact your insurance company through your agent and give them all the details. After this is done, the next step will be to get an insurance adjuster who will be assigned to the particular claim. Basically, looking at the entire claims process, working with the insurance claims adjusters is the most important one by far and large.
It is actually the claims adjuster whom you will be working with most of the time during the claims process. As far as the types of the insurance adjusters go, you need to know that there are basically three types of adjusters and these are the company insurance adjusters, the independent insurance adjusters and the public insurance adjusters. The company insurance adjuster and the independent adjusters share a common feature in the fact that they are affiliated to the insurance company by virtue of some agency relationship, working for the insurance company or hired by them.
On the other hand, the public insurance adjusters are independent insurance adjusters but are hired by you the claimant or policyholder. Generally, they work for the policy holders. By and large, there are quite a number of reasons and cases where one would opt for the services of an public insurance adjuster as the best solution for their claims process even in as much as the company and independent adjusters will not charge you as a policyholder as is the case with the public insurance adjusters.