What Is A Public Adjuster?

A Public Adjuster Provides Residential & Commercial Claim Help For Policyholders!

Many people ask “What is a public adjuster?” A public adjuster is an insurance claims adjuster that advocates for the policyholder in appraising and negotiating an insurance claim suffered by the property owner.

Public adjusters are licensed by the state departments of insurance and are the only type of claims adjuster that can legally represent the rights of a policyholder during the insurance claim process.

A public adjuster is most beneficial when it is clear that the insurance company will pay for a covered claim.

The public adjuster ensures that you, the policyholder, obtains the maximum you are owend for property damage.

Primarily your public adjuster will

  • appraise your damage
  • prepare an estimate and other claim documentation
  • read the policy of insurance to determine coverages,
  • and negotiate with the insurance company’s claims handler.

3 Classes of Insurance Claims Adjusters

Staff Adjusters

Employed by an insurance company or self-insured entity.

Independent Adjusters

Independent contractors hired by the insurance company. Staff or Independent adjusters as listed above can only legally represent the rights of an insurance company.

Public Adjusters

Employed by you, the policyholder to ensure proper claim payment and coverage.

As you can see, there is a clear distinction between a claims adjuster, who works on behalf of an insurance company, and a public adjuster who works on behalf of a policyholder.

Very Professional, Very Knowledgeable, Achieved Results!

I hired For The Public Adjusters, Inc. for the first time when I had a relatively minor water leak in the kitchen when my dishwasher malfunctioned. It had leaked water for hours onto flooring etc., we were not at home at the time. The insurance company was difficult and slow in responding and I wasn’t happy with the amount of money they were going to settle for.

For The Public Adjusters, Inc. really know their stuff and their experience with insurance laws far exceeds us amateurs. They negotiated a much fairer settlement, keeping me updated on their progress along the way, communicating with me via text, email and phone calls.

I am happy that I hired them and they were able to achieve the settlement that I thought was fair! They did a great job and their professionalism and knowledge achieved the results I was looking for!

Donald S.

What is a Public Adjuster? was last modified: by
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