Frequently Asked Questions

What exactly is a public adjuster? It's common to have questions before giving us a call to look at your claim. Keep reading to learn more about how we can help save you money!

What is a Public Adjuster?


A public adjuster is a state-licensed insurance professional specializing in managing every aspect of an insurance claim on behalf of the policyholder. Unlike your insurance company’s adjuster, who works for the insurance company, a public adjuster represents you and your interests. Public adjusters are individually-licensed and work as independent contractors. 46 states in America have specific licensing requirements for public adjusters. In order to call yourself a licensed public adjuster in most states, you need to meet strict requirements. Alabama, Alaska, Arkansas, South Dakota, and Wisconsin do not have regulatory schemes for public adjusters.




What do Public Adjusters Do?


Generally speaking, a public adjuster manages every aspect of your claim from beginning to end. They investigate, inspect, appraise, and adjust the insurance claim. Unlike your insurance company’s adjuster, however, a public adjuster works for you. The goal is to maximize the amount of compensation you receive from your insurance company. A public adjuster will ensure your claim is handled efficiently and achieves a fair outcome. The public adjuster will also negotiate with the insurance company on your behalf.




What should I look for in a Public Adjuster?


You should look for the same qualities you would look for in any other professional, which includes experience and proven performance. Your Public Adjuster must be licensed and bonded. Your chosen Public Adjuster should also utilize its own staff of adjusters, appraisers and other professionals to assist him or her in maximizing the benefits you are entitled to receive after a claim. The Public Adjuster you choose should be aware of your needs and responsive to your concerns.




Do I need a Public Adjuster?


If you’ve experienced a disaster at your property, then you may be considering hiring a public adjuster. Public adjusters are licensed, experienced insurance professionals. They can help you avoid making mistakes on your insurance claim. They keep your insurance company honest. They can raise your final insurance settlement by up to 70% – all in exchange for a fee of 5% to 15%. It’s up to you to decide if you need a public adjuster. In larger claims situations, however, hiring a public adjuster can quickly pay for itself.




When should I hire a Public Adjuster?


As a general rule, you should consider hiring a public adjuster if you have an insurance dispute totaling over $10,000. If you believe your home has sustained $15,000 worth of damage after a hailstorm, for example, and your insurance company offers you a check for $5,000, then you may wish to hire a public adjuster. You should also consider hiring a public adjuster if you want to expedite the claims process, maximize your compensation, or ensure fair treatment from your insurance company. Some people hire a public adjuster simply to take a load off their back during a stressful time. During the days or weeks following a disaster, dealing with an insurance claim may be the last thing you want to do.




What is a Loss Adjuster, Private Adjuster, or Private Claims Adjuster?


A loss adjuster, private adjuster, private claims adjuster, public loss adjuster, private loss adjuster, and public insurance adjuster are all different terms for a public adjuster. These professionals work on behalf of you, the policyholder and represent your best interests.