Episode #49: Maximize Your Home Insurance Payout with a Public Adjuster with Gwynne Beatty

Want to know the secret to getting the most from your homeowner’s insurance claim? Public Adjuster Gwynne Beatty shares how to increase your payout, sometimes by as much as 150 times the original offer!

Gwynne explains how a public adjuster can be your best ally, helping you avoid common mistakes, understand key terms, and navigate the claims process like an expert. Learn how to find a trustworthy adjuster, prepare before any damage happens, and more.

Don’t miss this helpful episode full of tips that could save you big money on future claims!

Episode Highlights:

• What is a public adjuster, and in which situations would someone want to call one? (2:58)
• What are the different terms for water damage, and how are they categorized? (7:12)
• What is the timeline for filing a claim and calling in a public adjuster? Is there a statute of limitations on claims? (10:09)
• Are there differences between the insurance terms “denied” and “closed”? What recourse do you have when those terms are used? (13:37)
• What is a covered peril? How can you know if mold is covered in your policy? (15:59)
• Which keywords should you use, and which ones should you avoid when speaking with your insurance company? (19:34)
• What are some real examples of how using a public adjuster has benefited people? (22:20)
• What is the typical fee to hire a public adjuster? Is a public adjuster licensed by their state? (24:53)
• How do you find a good public adjuster? (27:38)
• What role can attorneys play in the home insurance claim process? (31:29)
• Are there times you shouldn’t call the insurance company and instead pay out of pocket? (33:20)
• What steps can you take now to help you prepare for a future home insurance policy claim, and what steps should you take after a covered peril occurs? (35:43)
• What is an appraisal demand and a clue report? (40:36)
• What health effects can water damage and fire damage create? (45:53)
• Can insurance help cover anything related to sewage pipe cracks? How can a public adjuster help you secure matching materials for repairs? (52:55)

Links mentioned in interview: 

Questions to Ask When Hiring an Indoor Environmental Professional (IEP): https://changetheairfoundation.org/sdm_downloads/questions-to-ask-when-hiring-an-indoor-environmental-professional-iep/

Mold Remediation Part 1: Hiring the Right Team & Order of Events: https://changetheairfoundation.org/mold-remediation-part-1/  

Hiring the Right Team: https://changetheairfoundation.org/hiring-the-right-team/

Get in touch with our guest:

Gwynne Beatty’s Email: [e-mail]

Gwynne Beatty’s Number: 954-648-9258

Learn more about Change the Air Foundation: https://www.changetheairfoundation.org

Sign up for our newsletter: https://changetheairfoundation.org/stay-informed/

Disclaimer: Your Indoor Air Podcast, a Change the Air Foundation production, is for general informational purposes only and does not constitute the practice of medicine, nursing, healthcare or other professional services, such as giving healthcare advice. The use of information on this podcast or materials linked from this podcast is at the user’s own risk. The content of this podcast is not intended to be a substitute for professional medical care.  Users should not disregard or delay in seeking medical attention for any medical condition or concern they may have.