Find Expert Local Public Adjusters To Help With Your Insurance Claim

Independent insurance professionals advocating on behalf of policyholders, providing the claim assistance you deserve.

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Public Adjuster For Home Insurance Claim

Public Adjusters Work For You

Not The Insurance Company

Couple Seeking Help With Insurance Claim
Find the Best Public Adjuster in Your Area

At ClaimsMate, we make it easy to find an insurance specialist who will work for you so you can get the most out of your insurance policy.

24/7 Phone Support

Sometimes, it just can’t wait. At ClaimsMate, we offer 24 hour phone support services so you can find the perfect claims adjuster to get started on your insurance claim as quickly as possible.

Right Fit For You

We adjust our strategy to fit your needs. We promise to always be here when you need us and we’ll always do our best to get you the results you want.

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Public Adjusters Working On Your Behalf

Insurance claim help when you need it

Punctual Public Adjusters

Always On Time

We’re always there when you call, and we’re always on time. We’re prompt and professional at every appointment. With ClaimsMate, you’ll never be left waiting.

Maximize Your Claim

We Save You Money

When your insurance company is trying to shortchange you, a public adjuster works to get you the money you deserve for your insurance claim.

Flexible Scheduling

We Work On Your Schedule

We know that life gets busy and we’re always willing to accommodate your schedule. You set the time, you set the date, and we will be there on time every time.

Ready to get the help you need on your insurance claim?

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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.

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Public Adjuster Helping With 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:

Property Damage Inspections


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.

Insurance Adjustment 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.

Insurance Claim Negotiation


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.

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.

Insurance Professional On Your Side

Insider Knowlege

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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If dealing with a claim, include the cause of loss/damage