Public Adjusting: Common Questions from Policyholders

A public adjuster is a licensed insurance professional who works exclusively for you, the policyholder, to evaluate, document, and negotiate property damage claims with your insurance company. They act as your advocate to ensure you receive a fair settlement, unlike adjusters who represent the insurer.

Key questions include: Are you licensed in my state? Will you handle my claim personally? How many claims are you managing locally? What is your experience and credentials? Can you provide references? Let's discuss the fee structure and contract terms.

A public adjuster manages the entire claims process on your behalf, including assessing damages (visible and hidden), interpreting your policy, preparing documentation, communicating with the insurer, and negotiating for a fair settlement. This allows you to focus on recovery while they handle the complexities and advocate for your interests.

You may need a public adjuster if your claim is complex, large, or disputed, as they provide expertise in damage assessment, policy interpretation, and negotiation to help secure what you're entitled to. While not always necessary for small claims, they can prevent undervaluation and add value similar to hiring a professional for taxes or real estate.

It's best to hire a public adjuster as soon as possible after damage occurs, ideally before filing your claim, to ensure proper documentation and mitigation from the start. However, you can still hire one later if your settlement seems low or issues arise, as long as you haven't signed a release with the insurer.

Public adjusters charge reasonable fees that may include flat rates, hourly charges, or a percentage of the settlement where permitted by state law, with no upfront costs in many cases. Fees are regulated and vary by state—for example, in Louisiana, contingency fees are not allowed. The fee is negotiable and depends on claim size and complexity; many offer free consultations. For details on fees in your state, visit our Locations We Service page.

It's not too late if additional issues arise, such as undiscovered damages during repairs, allowing for supplemental claims. However, if you've signed a release accepting the settlement, it may limit options; consult a public adjuster promptly to review your situation.

While an attorney can represent you, public adjusters specialize in damage valuation and claim negotiation, often settling claims without litigation. Attorneys may even hire public adjusters for their expertise, saving you time and costs unless legal disputes escalate.

No, contractors are experts in repairs but not licensed to adjust claims; attempting to do so is illegal and considered unauthorized practice of public adjusting. Hire a licensed public adjuster for claim handling to avoid conflicts and ensure proper negotiation.

A public adjuster works solely for you, the policyholder, to advocate for a fair recovery, while the insurance company's adjuster (staff or independent) represents the insurer's interests and aims to minimize payouts. This distinction ensures you have an advocate on your side during negotiations.

Yes, public adjusters must be licensed in most states and adhere to ethical standards; check their license and membership in organizations like NAPIA. This ensures they are qualified and accountable, protecting you as a policyholder.

Most contracts allow termination before final settlement, though you may owe fees for services rendered up to that point. Discuss exit terms upfront, and if disputes arise, seek resolution through their trade association or state regulator.