Frequently Asked Questions

A Public Adjuster, also known as a Public Insurance Adjuster, helps homeowners and businesses recover from disasters or damage to their property or business. Public Adjusters are experts in preparing, managing, and negotiating insurance claims, giving policyholders and their representatives the resources they need to be in the best possible position for recovery.

Public Adjusters manage the process and negotiate with the insurance company to obtain a fair outcome for their client. A good Public Adjuster works to provide a fair and assurate assessment of damage and how it should be handled given insurance policy provisions, providing expertise and peace of mind for their clients. 

Most states have enacted licensing for Public Adjusters to provide representation on behalf of consumers. Though the nomenclature is confusing, both "independent adjusters" and company adjusters are representatives of insurance companies. Only licensed Public Adjusters may work on policyholders' behalf, and not for insurance companies.

Anyone who holds a property insurance policy, or a policyholder's representative, can hire a Public Adjuster. Homeowners, co-op and condo assocations, property managers, businesses, brokers and attorneys all hire Public Adjusters as a cost-effective way to manage the insurance recovery process.

Working with a Public Adjuster gives a policyholder the upper hand in negotiations. We will conduct a rigorous investigation of your damages, identify the pertinent coverages available to respond to those damages, and address all the details of your claim with your insurance company as we work to ensure you get the settlement you deserve for your loss. We can also review your policy before a disaster and assist you with making changes to the policy to make sure you are protected in the event of a crisis.

Public Adjusters, also known as public insurance adjusters or public claims adjusters, are independent insurance professionals that property owners hire to represent their interests in filing a claim with their insurance company. They specialize in evaluating and negotiating insurance claims on behalf of the policyholder, helping to ensure a fair and full restoration after loss or damage.

An insurance company adjuster works on behalf of the insurance company. These employees work to protect the insurance company's interests and often have access to a large pool of resources. Insurance company adjusters must follow the policies and procedures set by the insurer. "Independent Adjuster" is a term that applies to a third type of adjuster. Independent adjusters are licensed and hired to represent insurance carriers, NOT policyholders. Only Public Adjusters are licensed to work on behalf of policyholders.

When it comes to filing a personal property claim or business income claim, it is important to consider all of your options. Hiring a Public Adjuster can ensure you receive the best possible outcome. Public adjusters can help you understand all aspects of your claim and guide you through the process. This can be invaluable when facing significant damage or loss, especially if circumstances are complicated.

In a nutshell, Public Adjusters tackle the insurance claims process, so you don’t have to. Many businesses and homeowners have insurance policies, but they are not aware of what the policies require or provide, and they're not experts in the insurance or building practices. If you need to file a claim, Public Adjusters help make sure you are fairly compensated for your loss.

By using a Public Adjuster, a homeowner, business owner, property manager or policyholder's representative can ensure they have an insurance expert guiding them through the recovery process. 

It's best to negotiate claims settlements with an understanding of insurance policies, building practices, and the claims process. Carriers have mechanisms and procedures put in place to save them money throughout the claims process, often at the expense of policyholders. Most states have recognized this problem and in response have licensed insurance experts known as Public Adjusters solely for the purposes of protecting and assisting policyholders when losses occur.