Beginners Guide To Hiring A Public Adjuster

Created on:

April 22, 2019


If you’ve recently experienced property damage or property loss like a tornado or hurricane – or even something more minor like a water pipe burst or roof hail damage – then you are probably stressed, worried about your home and other property, and the last thing you want to worry about is dealing with your insurance company and insurance adjuster.

Which is where public adjusters come in handy, and many homeowners or property owners aren’t sure what a public adjuster is or exactly what they do, until they need to hire one.


A public adjuster is an independent insurance professional who can be hired by a homeowner or insurance policy holder in order to settle or maximize the value of their claim(s). A public adjuster works for you, not the insurance company

A public adjuster often works with other contractors to inspect property damage, provide repair quotes, and even have their own teams or contacts for contractors who can help out policyholders.

Public adjusters or public claims adjusters take the time to review your insurance policy with you so know exactly what’s covered and what’s not.

A public insurance adjuster puts together the details for and assign dollar values to your property loss claim on your behalf, ensuring that every dollar is captured in the claim.


A public adjuster or public claim adjuster handles an insurance claim from start to finish. This often happens at times when the policyholder is dealing with other issues like rebuilding or repairing their property, or even finding a new temporary home if they’ve been displaced. At times like these, a public adjuster can offer invaluable assistance.

The property loss claims process isn’t always easy to understand for policyholders and if you don’t have the experience with such claims or property damage, you may not know if there are still damages that need addressed or if you’re eligible to receive a larger settlement. When you’re ready to settle your property claim, you may be entitled to more money than you or your insurance company think.

Hiring a Public Adjuster Ensures you are fully indemnified by your insurance carrier.


Insurance companies are not on the side of the policy holder, but public adjusters are. They’ll argue policy, bring in their own inspectors and contractors, and otherwise maximize the value of a claim.

Their expertise in the details of the homeowner insurance claim process and attention to detail can make all the difference in the payout for a property owner.

Insurance Companies DO NOT want to pay more than necessary, which is why filing a claim by yourself can almost certainly mean a lower payout. They will underestimate the true cost of repairs to save their money - leaving the property owner to deal with the remaining costs. Hiring a Public Adjuster can give you peace of mind knowing that you got all you were owed from your insurance company. If your home suffers from damage, it is not your responsibility - if you're covered.

If You're Ready To get Your Maximum Insurance Payout - we are Here to Help!


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