Skip to main content

What is a Public Adjuster?

Homeowners insurance claim documents

In the event of a homeowners insurance claim, informed homeowners often ask themselves “What is a public adjuster and how can they assist me?” A public adjuster is a third-party advocate that a home policyholder engages to assist with an insurance claim on their behalf. They work for the homeowner exclusively, making the insurance claim process a less daunting experience.

Insurance companies utilize their own adjusters to evaluate the merit and settlement assessment of a homeowners insurance claim. An public adjuster works for the homeowner alone and works to expedite the settlement process. They are experienced advocates who understand the insurance industry, are well versed in the complex laws that govern the insurance industry, and will advocate to secure the most equitable dollar settlement on a home insurance claim.

If you are considering engaging an public adjuster there are several points to consider when making your decision:

  • Evaluate their references and qualifications of any public adjuster you may engage. Ask for recommendations from family and associates. Confirm that the public adjuster is licensed in the state where your loss has occurred, and contact the Better Business Bureau or your state insurance department to evaluate any past consumer complaints.

  • Public adjusters work exclusively for the homeowner in the insurance claim process. In general, a public adjuster will charge a percentage of what a policyholder’s insurance carrier will end up paying for a claim. Professional public adjusters rely on their expertise and experience. Avoid the public adjuster equivalent of “ambulance chasers” after a disaster who attempt to solicit clients door-to-door

  • Know the facts after a major disaster. Contact your state’s insurance department as they may set the fee percentage that public adjusters are permitted to charge their clients.

The event of having to file an insurance claim pits the homeowner against the experience and expertise of their insurance carrier. Engaging a professional public adjuster can reduce the stress of the process, help navigate the governing laws in your state, and can expedite the entire claim. Homeowners who have asked “What is a public adjuster?” are pleasantly surprised at discovering a true advocate through the insurance claim process. For a free consultation, contact the professional public adjusters at United Public Adjusters.


"*" indicates required fields

Close Menu