Frequently asked questions

A public adjuster is a professional claims handler who advocates for the policyholder in appraising and negotiating a claimant's insurance claim.

You might consider hiring a public adjuster if you feel the insurance company's offer is too low, your claim is complex, or you simply don't have the time or expertise to deal with the insurance claims process.

An insurance company adjuster works for the insurance company, while a public adjuster represents your interests. The public adjuster seeks to get you the highest possible settlement under the terms of your insurance policy.

Public adjusters typically handle property damage claims due to events like fires, storm winds, or pipe breakages.

Most public adjusters charge a percentage of the claim settlement. This fee structure can incentivize them to maximize your claim value.

While a public adjuster cannot guarantee a higher payout, their expertise in claim valuation and negotiation can often result in a better settlement than a policyholder might obtain on their own.

You should provide your insurance policy documents, any correspondence with your insurance company, and evidence of your loss (photos, repair estimates, etc.).

The length of the claims process can vary depending on the complexity of the claim, the responsiveness of the insurance company, and other factors. A public adjuster can often expedite the process due to their expertise.

Yes, you can handle your claim without a public adjuster. However, if the claim is significant or complex, you may benefit from professional assistance.

Look for someone who is licensed (if required in your state), experienced, and has good references or reviews. It's also important to feel comfortable with their communication style and approach.