Public Insurance Adjusters

There are few things as stressful and time-consuming as filing an insurance claim after a disaster. In addition to managing the emotions and repercussions of the incident itself, you now have to worry about a whole new set of factors with an insurance claim. This is one of the primary reasons that many people choose to hire a public insurance adjuster to help with their insurance claim and recovering losses after a disaster.

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Public Adjusters : What You Need To Know

A public adjuster is a professional that specializes in insurance claims. They help you interpret the specifics of your policy and work directly with the insurance company on your behalf. Indeed, this is one of the primary reasons that people prefer to seek the help of a claims adjuster. Unlike adjusters hired by insurance companies to assist with claims, public adjusters work for you and not the insurance company.

Though it is not always in your best interest to hire a public adjuster, it is in many different situations below. The information below discusses more of what a public claims adjuster is, what they do, when you may need the services of a public adjuster and the many benefits that they provide. Having a firm understanding of these different things will help you decide whether a public loss adjuster is right for you and your particular insurance claim.

What Is a Public Adjuster?

As mentioned above, a public adjuster is a professional insurance claims specialist that works for you (the policyholder) to help obtain the best possible outcome of your insurance policy. They help you interpret this policy, assess how much damage was caused, determine what the costs will be to repair or replace, and then negotiate with your insurance company for a claims adjustment until the claim is settled.

Claims adjusters come in all different varieties and levels of experience, as you might expect. Although almost all of them specialize in insurance claims, you will likely find ones that sub-specialize in different sorts of claims. If you want the best insurance claim help possible, it is key to find a loss adjuster with knowledge and experience with the specific type of claim you are making.

Once again, it is necessary to note that public insurance adjusters work for you. They have your best interests in mind and are not in cahoots with an insurance company. Unfortunately, this loyalty means that you do have to pay their fees yourself. Your insurance company won’t pay to have a public claims adjuster work on your claim. However, it is important to note that their claims adjustment settlements are often as much as 70% more than what the insurance company offered to begin with, and most often their fees are not paid until a settlement is reached. More in depth information on what a public insurance adjuster is.

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What Do Public Insurance Adjusters Do?

One of the most important things that you can do to decide whether or not hiring a private adjuster for your insurance claim is right for you is to understand exactly what one of these professionals does. In short, they handle your insurance claim from start to finish, helping you sort out each step. Of course, you can choose to receive different levels of help. You can have your adjuster help you with only the basics or handle every single aspect of your claim.

The easiest way to understand the fees involved and what a public adjuster does with your insurance claim is to look at their claims adjustment process. The standard process that might be used includes:



Inspection: One of the first steps of the public claims adjusting process is inspecting the insurance policy. Your adjuster will go over your policy at length to work out the details. It is important for them to understand every aspect of your insurance policy and claim so that you can get the most possible out of it. Looking over your insurance policy helps them get a solid idea of what exactly is covered and what your coverage limits are. After having a good understanding of your insurance policy your adjuster will inspect your property and damages meticulously and then compare this information to the various clauses in your insurance policy.


Necessitating: The next step that will likely be taken is necessitating. This is simply when your private adjuster assesses the situation surrounding your claim. It is where your policy and your specific incident come together. They look at these together to come up with a plan for further action. The claim is meticulously documented and packaged. This is sent to your insurance company for review. The claim often highlights key issues involving your incident that could potentially be used in the future to dispute or deny the claim.


Ideal World: If everything works out perfectly, then a public adjuster’s work would be done by now. Unfortunately, we don’t live in such an ideal world. Chances are high that the insurance company won’t respond with a reasonable payout, and further claims adjustment and dispute may be needed. So at this point a negotiation and further discovery process will likely follow.

Negotiation: In an insurance claim, negotiation most often occurs when the loss adjuster/their client (you) feels that the proposed payout is not high enough. Negotiation involves pushing the payout higher. Claims adjusters typically represent their clients during these negotiations and use industry based knowledge and training to get the best deal possible. It is also possible to re-open a claim if additional damages or issues are identified at this point. In most states you have up to 2 years to dispute a claim settlement that you are unhappy with.

Insider Knowledge

Insider Knowledge: Insurance adjusters often offer additional advice about their client’s insurance coverage and policy. After a claim is finished, an adjuster might share their knowledge involving the structure of the client’s insurance policy. Common areas of concern are usually items like increasing coverage limits to improve consumer protection in the future, deferred maintenance and tricky policy language.


Once again, using a public adjuster for your insurance claim is by no means required. It is possible to go about your handling your insurance claim without one. However, it is very important to remember that your insurance company is a “for profit business” and they will be using their own professional claims adjusters to help them with an outcome that reduces their losses. You are now allowed to do the same in most states and it makes a lot of sense, to at least explore your options for claims adjustments. If you have a question or need help with an insurance claim, simply contact us for a consultation.

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When Do You Need Their Services?

There is no one right time to hire a public adjuster. Indeed, it is different for everyone. Some people are better off not hiring one at all. At the same time, many people decide to hire one no matter the circumstances simply because they don’t want to deal with the insurance claim process themselves or don’t have the time to.

However, there are a couple of guidelines that you can keep in mind while making your decision. The most important of these is a general rule of thumb that recommends hiring a claims adjuster if you estimate losses of $10,000 or more. In these cases, you are well advised to hire a loss adjuster to make sure your interests are protected.

Additionally, it is worth gauging how your insurance company reacts to your claim. If the adjuster that they are using responds to your calls quickly and answers questions promptly, the information and responses you are getting seem fair, and your intuition tells you this outcome seems to be reasonable, then you might be fine working only with them. If they don’t, on the other hand, you are probably better off getting the expert help of your own public adjuster.

Most insurance companies are reputable businesses that use experienced adjusters. However, you might occasionally come across a company that is using an insurance adjuster without adequate experience. In these cases, hiring your own claims adjuster is also advised. Using a loss adjuster with vast experience is of the highest importance in order to ensure that they can provide you with the best possible results when it comes to packaging your insurance claim for review and negotiating on your behalf.

Top Reasons to Hire a Public Adjuster

There are any number of reasons to hire a public adjuster to help you with your insurance claim. For one thing, you are probably worried about the well being of your home or business and your family, especially if your loss was large. Why risk anything by not working with a professional? You deserve to get all of what you are entitled to from your insurance claim. Professional assistance makes things easier and far less stressful.

The easiest way top explain why hiring a public insurance adjuster can be extremely beneficial, it is to refute the top two reasons that people give for not hiring one of these professionals. This helps to illustrate a clear picture of the many benefits of hiring a public adjuster.

  • Maximizing the Settlement: Many people that are against hiring a claims adjuster use the argument that they can’t actually maximize your claim because all they can do is to bring your property back to the state it was in before your loss. Of course, this is in line with the principles of insurance, but studies across the United States show that people that use private adjusters for their claims actually do receive higher claim payouts.
  • Paid a Percentage of Payout: Another common argument against using public adjusters is that they are paid a portion of your recovery. Most public adjusters are in fact paid on a contingency fee basis only. This means that you do not pay them an hourly rate or an upfront fee. You are only required to make a payment when your claim is fully processed and you have approved the settlement offer. Only after that has occurred, is the agreed upon percentage amount paid out. A good public insurance adjuster will work hard to maximize your settlement and is then paid a small portion of that total settlement. For example: if without the assistance of a public adjuster an insurance settlement is $10,000, but with a public adjuster the settlement was increased to $17,000, and the adjuster takes a 10% fee – the public adjuster has paid for itself, while relieving much of the work involved, and helping you receive over 50% more for you insurance claim settlement.
Another important benefit
  • Grief: The grief caused by loss is multifaceted. It is caused both by the traumatic loss itself and the actions of the insurance company. It usually isn’t one or the other that causes the feelings of grief, but that emotion can often get in the way of a smooth claims process. Using a public adjuster can help counteract some of the grief brought on by working with your insurance company. It will help ensure that you get what you deserve from the company and nothing less. It will also help you feel assured that you are getting what your insurance policy promises.

At the end of the day, a public adjuster prevents the conflict that naturally arises when one side attempts to represent both sides of a financial situation. This is often the case when an insurance company provides their own adjuster to help you with your claim.

Hiring a Public Adjuster

If you have suffered a large loss to a home, business, or other property recently, then it might be in your best interest to explore finding and hiring a public adjuster. These insurance professionals do not work for an insurance company and provide superior service during the claims process which most often results in both a higher settlement and peace of mind during a stressful time.

Public adjusters can make the claim process far less stressful and time consuming. You already have to deal with the disaster itself. Why not get the help and experience of an expert in handling insurance claims?

Though a private claims adjuster is not for everyone and every situation, they are often highly beneficial. The information above will help you decide whether or not hiring an adjuster is for you. It will also help you go about finding a great adjuster. Remember that you can always have a public adjuster review your policy and loss before you make a final decision. The best adjusters won’t charge you for these services. They will provide these for free to help you make a decision.

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Working with a Good Public Adjuster

Naturally, not all public adjusters are created equally. There are some that are far better than others. Much of this comes down to the level of experience that an adjuster has but there are other factors that are necessary to consider as well.

If you have experienced major property loss, such as smoke or fire damage to your home, major water damage from a flood, or devastating hail damage, then multiple public adjusters may have already solicited you. Rather than simply saying yes to the first adjuster that you meet, it is essential that you screen each adjuster so you can find the absolute best one for you. A matter as sensitive as an insurance claim requires the highest level of expertise and communication possible.

Throughout the process of finding a public adjuster, it is important to keep one primary thing in mind. You are the client and you have the final say. Do not be pressured by high-pressure sales tactics and industry lingo. If you don’t have a good feeling about working with someone, you don’t have to. Your intuition is just as important, if not more important, than the advice you’ve read here.

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