Should I hire a Public Adjuster?

[Jorge R.]

Hi,

Some youngin crashed his car into my Multi over the weekend. He hit the foundation. Doesn't look like much damage, other than chunks of concrete broken off. But this unit was built in 1900ish, and I want to make sure an expert blesses off on the structure.

I reported to my homeowner's insurance, and they told me to claim through the guy's auto policy. I reported to his auto policy, and they said I'd be better off going through my homeowner's policy because the homeowner's would cover replacement costs - whereas they would probably prorate. Prorate? This thing is over 100 years old. 

I don't know if the damage is on 1k, but is it recommended to bring in a Public Adjuster?  The property is in New Bedford, Massachusetts.

Thanks