What Is a Public Adjuster?

and why should I consult with a public adjuster before filing my insurance claim?

Receiving the proper value for your property from an insurance company may take a lot of time and effort; in fact, it may become a full time job which is the last thing anyone has the time and experience to properly deal with when they are recovering from the trauma of a significant loss of property.

It’s essential to understand that public adjusters advocate solely in your best interest, not the insurance company (they have their own adjusters). Which is why it is so important to work with your own adjuster to ensure that you get the proper indemnification for your lost and /or damaged property.

What’s more, dealing with insurance companies can be a full time job in and of itself which can bring a lot of stress. This is the last thing you need when you and your family and /or business are recovering from a natural disaster.

If your insurance agency or broker say that you don’t need a public adjuster, reconsider.

As much as they may sincerely want to help, they have no pull or control over the claims process. In addition, they will not help you do the physical inventory that will be required to process your claim, they will not be involved with gathering any rebuilding or repair estimates, filing a business interruption insurance claim, or assigning dollar values to property or items you have lost in any way.

Studies have shown that when public adjusters are involved in the insurance claim process, insurance companies pay more in claims.

If you are concerned about yet more expenses, know that most public adjusters work on recovery basis, and they do not cost you anything up front. A public adjuster takes a percentage of your insurance payout in exchange for managing the complicated and time consuming process and ensuring you get what you deserve.

Don't battle your insurance company without consulting a public adjuster.
You could be leaving a significant amount of compensative reward money on the table.