A public adjuster is a licensed and bonded trained professional who works on behalf of policyholders to help them navigate the insurance claims process and obtain the maximum settlement from their insurance company. Unlike insurance company adjusters, who represent the interests of the insurance company, public adjusters are independent and represent the interests of the policyholder. They assist individuals and businesses in preparing, documenting, and negotiating insurance claims, particularly in cases of property damage or loss, such as from natural disasters, fires, or other unforeseen events.

Public adjusters typically assess the extent of the damage, review insurance policies to determine coverage, document and estimate the cost of losses, and negotiate with the insurance company to ensure that policyholders receive the maximum compensation to which they are entitled. They can be particularly valuable when policyholders face complex claims or disputes with their insurance providers.

 An insurance company adjuster is an employee or contractor of the insurance company.  Their primary responsibility is to represent the insurer.  A public adjuster works on behalf of the policyholder only, not the insurance company. 

 Expertise and Experience: Public adjusters are trained professionals with expertise in insurance policies, property damage assessment, and the intricacies of the claims process. They can help you navigate complex insurance terminology and procedures, ensuring that you understand your rights and options. 

 Maximizing Your Claim: Public adjusters work to secure the maximum compensation you are entitled to. They evaluate your losses thoroughly and present a comprehensive claim to the insurance company. This can often result in a larger settlement than you might achieve on your own. 

Reducing Stress and Time-Consumption: Dealing with insurance claims can be stressful and time-consuming. Public adjusters take on the burden of handling the entire claims process, from documenting damages to negotiating with the insurance company. This frees you up to focus on recovery and other important matters. 

Navigating Complex Claims: In cases of significant damage, intricate policies, or disputes with the insurance company, a public adjuster’s expertise can be invaluable. They have experience in handling complex claims and can help you overcome obstacles in the process. 

Protection of Your Interests: Public adjusters represent your interests, not the insurance company’s. This ensures that you have an advocate who is dedicated to securing a maximum settlement for you. 

 Contingency-Based Fees: Public adjusters work on a contingency fee basis, meaning they only get paid if they successfully secure a settlement for you. This can make their services more accessible and cost-effective.