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What is a public adjuster?

A public adjuster is a licensed insurance professional who represents the policyholder in the claims process. They can help assess and document damages, file claims, negotiate with the insurance company, and ensure that the policyholder receives a fair settlement.

When should I hire a public adjuster?

You may want to hire a public adjuster if you are filing a large or complex insurance claim, or if you are not satisfied with the settlement offer from your insurance company. A public adjuster can help ensure that you receive the maximum payout under the terms of your policy.

How much does a public adjuster charge?

Public adjusters typically charge a percentage of the settlement amount, which can range from 10% during a State of emergency to 20% for other events. The exact percentage may vary depending on the scope of the damages and the complexity of the claim.

Can a public adjuster help with any type of insurance claim?

Public adjusters can assist with a wide range of insurance claims, including property damage, business interruption, and personal injury claims. However, they may specialize in certain types of claims, such as hurricane or fire damage.

Will hiring a public adjuster guarantee a larger settlement?

While hiring a public adjuster does not guarantee a larger settlement, they can increase the likelihood of a favorable outcome. Public adjusters are licensed to interpret policy language & trained to negotiate with insurance companies and can often identify damages that the insurance adjuster may have overlooked.

Do I need to pay a public adjuster upfront?

Most public adjusters work on a contingency basis, meaning that they only get paid if you receive a settlement from the insurance company. You do not need to pay them upfront for their services.

How long does the claims process take with a public adjuster?

The length of the claims process can vary depending on the complexity of the claim and the responsiveness of the insurance company. However, a public adjuster can help expedite the process by managing all communication with the insurance company and ensuring that all necessary documentation is provided.