A Public Adjuster is a State licensed professional who works on behalf of policyholders (individuals or businesses) to help them navigate the process of filing and negotiating insurance claims. Unlike insurance company adjusters, who work for the insurance company, Public Adjusters work exclusively for the policyholder, as an advocate for the insured during the entire claim process.

Policy Interpretation
Insurance policies can be complex, with various terms, conditions, and exclusions. Public adjusters have expertise in interpreting insurance policies and understanding the coverage available to the policyholder.

Damage Assessment
Public adjusters evaluate and assess the extent of damages and losses resulting from an insured event, such as fire, flood, storm damage, or theft. They document these damages thoroughly to support the claim.

Major misconceptions of policyholders?

Under most commercial and residential policies, the burden of proof, is on the policy holder, not the insurance company.

Negotiation
One of the primary roles of a public adjuster is to negotiate with the insurance company on behalf of the policyholder. They use their knowledge of insurance policies, claims processes, and valuation methods to advocate for a fair and equitable settlement.

The Public Adjuster charges a fee for their services, often a percentage of the final settlement amount.