What is a Public Adjuster?

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A public adjuster is a licensed professional who works on behalf of policyholders to assist them in the process of filing insurance claims and negotiating settlements with insurance companies. Unlike insurance company adjusters, who represent the interests of the insurance company, public adjusters are hired by policyholders to advocate for their interests during the claims process.

Public adjusters help policyholders understand their insurance policies, assess the extent of damage or loss covered by the policy, document the claim, and negotiate with the insurance company to secure a fair settlement. They often have expertise in insurance policies, claims processes, and estimating the cost of damages.

‍Public adjusters typically work on a contingency fee basis, meaning they receive a percentage of the final settlement amount. This fee structure incentivizes them to secure the highest possible settlement for their clients.

In addition to their negotiation skills, professional public adjusters have a track record of successfully handling insurance claims. They have the knowledge and experience to effectively navigate the claims process and help their clients achieve favorable outcomes.

Examples of Public adjusters at work

Here are a few real-life examples of successful insurance claims that were handled by professional public adjusters:

1. Residential Hailstorm Damage

Mr. Anderson's home was severely damaged in a hailstorm. The insurance company initially offered a settlement that would only cover a portion of the repairs. With the help of a professional public adjuster, Mr. Anderson was able to provide additional evidence and negotiate a higher settlement that covered all necessary repairs.

2. Commercial Fire Damage

Ms. Johnson's business experienced a fire that caused extensive damage. The insurance company was hesitant to cover the full cost of the repairs. A professional public adjuster stepped in and conducted a thorough assessment of the damages, ensuring that all aspects were accounted for. As a result, Ms. Johnson received a fair settlement that allowed her to rebuild her business.

3. Residential Flooding

Mr. Thompson's property suffered water damage due to a burst pipe. The insurance company attempted to downplay the extent of the damage and offered a minimal settlement. The professional public adjuster hired by Mr. Thompson was able to document the full scope of the damages and negotiate a settlement that fully covered the cost of repairs.

Public adjusters are incredibly important thanks to their deep knowledge of insurance policies, representation of the policyholder, and time-saving expertise. Next time you need to file a claim consider hiring a Public Adjuster.

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