When to Consider a Public Adjuster

What Is a Public Adjuster?

A public adjuster is a licensed insurance professional who represents you, the policyholder, in the claims process. Unlike company adjusters who work for the insurer, public adjusters work to maximize your settlement.

What Public Adjusters Do

• Inspect and document damage
• Review your policy for coverage
• Prepare and file your claim
• Negotiate with the insurance company
• Handle supplements and disputes

When to Consider Hiring One

1. Large or Complex Claims

• Significant damage (over $10,000+)
• Multiple areas of damage
• Complex coverage questions

2. Claim Disputes

• Your claim was denied
• Settlement offer seems too low
• Insurer missed damage

3. Time Constraints

• You can't manage the claim yourself
• Documentation is overwhelming
• Deadlines are approaching

4. First-Time Claims

• Unfamiliar with the process
• Large financial stakes
• Want professional guidance

How Public Adjusters Are Paid

Most public adjusters work on contingency:

• 5-15% of the claim settlement
• No upfront costs
• Paid only if claim is successful

Some states cap fees:

• Florida: 20% (10% for state of emergency claims)
• Texas: No cap
• Check your state regulations

Questions to Ask Before Hiring

• Are you licensed in my state?
• What is your fee structure?
• How many years of experience do you have?
• Can you provide references?
• What's your success rate with similar claims?

When You Might NOT Need One

• Small claims close to your deductible
• Straightforward damage with clear coverage
• Good relationship with your insurer
• Quick settlement at fair value

Key Takeaways

• Public adjusters represent homeowners, not insurers
• Consider one for large, complex, or disputed claims
• They typically work on contingency (5-15%)
• Verify licensing and check references