What Is A Public Adjuster And What Do They Do?

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When property owners experience damage or loss due to unforeseen events like natural disasters, fires, or other accidents, navigating the insurance claims process can be a daunting task. This is where a public adjuster comes into play. A public adjuster is a licensed professional who serves as an advocate for policyholders, helping them navigate the complex world of insurance claims to ensure they receive fair and just compensation for their losses. In this article, we will explore the role of a public adjuster and the value they bring to policyholders during times of distress.

Understanding the Role of a Public Adjuster

A public adjuster is a third-party professional who works on behalf of the policyholder, not the insurance company. Unlike insurance company adjusters, who represent the interests of the insurer, public adjusters are solely focused on maximizing the benefits and settlements for their clients. They are licensed and regulated by the state in which they operate and are trained to handle various types of insurance claims, including property damage, business interruption, and other related losses.

What Does a Public Adjuster Do?

  1. Initial Assessment and Documentation: When a policyholder hires a public adjuster, the first step is to conduct a thorough assessment of the property damage or loss. The public adjuster inspects the property, documents the extent of the damage, and takes photographs to build a comprehensive case for the insurance claim.
  2. Policy Review and Analysis: Public adjusters are well-versed in insurance policies and their nuances. They review the policy of the insured to understand the coverage limits, exclusions, and other relevant terms. This analysis helps them strategize the most effective approach for the claim.
  3. Claims Preparation and Submission: Public adjusters handle all aspects of claim preparation, including filling out the necessary paperwork and ensuring that all required documentation is included. They know what information is crucial to support the claim and can present it in a compelling manner to the insurance company.
  4. Negotiation with Insurance Companies: Insurance companies are known for employing professional adjusters who aim to settle claims for the least possible amount. Public adjusters are skilled negotiators who work to level the playing field. They negotiate with the insurance company on behalf of the policyholder to secure the best possible settlement.
  5. Maximizing Claim Value: Public adjusters are experienced in assessing the true value of property damage and losses. They take into account not only the obvious damage but also hidden damages and potential future costs. By doing so, they can help policyholders receive a fair and accurate settlement.
  6. Business Interruption Claims: In cases where businesses suffer losses due to property damage or disasters, public adjusters can assist with business interruption claims. They analyze financial records, project losses, and negotiate for a proper settlement to help businesses recover from the interruption.
  7. Communication and Updates: Throughout the claims process, public adjusters maintain open communication with their clients. They provide updates on the progress of the claim, answer questions, and keep the policyholder informed about any developments.
  8. Appraisal and Mediation: In situations where disputes arise between the policyholder and the insurance company, public adjusters can help with the appraisal process or participate in mediation to reach a resolution.

Compensation for Public Adjusters

Public adjusters are typically compensated through a percentage of the final insurance settlement. The exact percentage may vary depending on the complexity of the claim and the state regulations. This arrangement incentivizes public adjusters to maximize the claim’s value, as their payment is directly tied to the outcome.


In times of distress and property damage, a public adjuster can be a valuable asset for policyholders. By guiding them through the complex insurance claims process, public adjusters ensure that policyholders receive the compensation they rightfully deserve. Their expertise, negotiation skills, and dedication to the policyholder’s interests make them indispensable advocates during difficult times, allowing property owners to focus on rebuilding and moving forward with confidence.

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