A public adjuster represents you, the policyholder rather than the insurance company. They examine, prepare, document, present, and negotiate residential or commercial property insurance claims. A seasoned public adjuster has the specialized knowledge and expertise to simplify and expedite the complex, time-consuming process of recovering a settlement from a property damage claim.

In most cases, the answer is yes. If you work with a public adjuster, they’ll be able to present your claim in a more favorable light. They know how to create detailed and complete claims and successfully negotiate with insurance companies. You’ll find that a public adjuster leaves you with a much higher settlement than you’d be able to secure on your own.

An insurance company adjuster works for the insurance company. Their goal is to reduce your payout in order to maximize their company’s profits. A public adjuster, on the other hand, works for you, the policyholder. They have your best interests in mind and know what it takes to negotiate a better settlement on your behalf.

Experienced public adjusters are highly skilled negotiators. They partner with experts such as appraisers, engineers, accountants, and others as needed. You can expect them to examine and document all the evidence of your case so that you get the most out of your settlement.

Residential and commercial property claims represent any damage that affects your home or business and is insured with your insurance policy. Damage may be water damage, fire damage, hail damage, wind damage, burglary, vandalism...the list goes on.

Yes! Your state Department of Insurance (DOI) licenses public adjusters. It’s the same organization that provides licenses for insurance agents, insurance brokers, or any other insurance professionals in your state.