A Public Adjuster is a state-licensed claims professional who represents policyholders only—never insurance companies. Their role is to prepare, document, present, and negotiate insurance claims on your behalf. By working independently from insurers, they ensure your rights and financial interests are fully protected throughout the claims process.

Think of it the same way you would hiring a CPA for your taxes, an attorney for legal issues, or a doctor when you’re sick. When the stakes are high, bringing in a trained expert is simply a smart financial decision.

Hiring a Public Adjuster provides:

• Peace of mind during a stressful process 
• A higher level of claim accuracy and documentation 
• Professional negotiation to help ensure you’re paid what you’re owed 
• Protection from mistakes, delays, or underpayment

While the decision is yours, handling a significant insurance claim without an expert is much like trying to treat a serious illness without a doctor.

You can hire a Public Adjuster at any point, but the earlier the better. Bringing in a PA early allows you to:

• Control the narrative from the start

• Avoid common pitfalls or missteps

• Ensure the claim is properly documented before problems arise

• Maximize the accuracy and completeness of your settlement

Even if you have begun the process, hiring a Public Adjuster can still significantly improve your claim outcome.

Absolutely. This is one of the most common situations.

Your insurance company’s adjuster works for the insurance company and is obligated to protect their financial interests. A Public Adjuster works exclusively for you, ensuring your interests—not the carrier’s—drive the claim process.

These are fundamentally different roles with competing objectives.

Public Adjusters are typically paid a contingency fee, which is a percentage of the claim settlement.
This means:

• You pay nothing upfront

• The fee comes from the settlement or out-of-pocket—your choice

• We only succeed when you succeed

This structure aligns your interests with ours and removes financial risk.

Possibly. For small property claims, the value we can add may be limited due to percentage-based fee structures. The claim size must make economic sense for both you and the adjuster. If the claim is modest, you may not need a Public Adjuster at all. It is best to have a licensed Public Adjuster review your claim to determine if hiring a Public Adjuster is beneficial for your claim.

The key difference is who they represent:

• Insurance company adjuster: Represents the insurance company
• Public Adjuster: Represents you, the policyholder

Most states require distinct licenses for:

• Staff/company adjusters

  Independent adjusters

• Public adjusters

• Insurance consultants

Licensed adjusters must disclose who they represent, how they are compensated, and any conflicts of interest—ensuring transparency in the claims process.

You generally don’t need an attorney until a claim becomes a legal dispute. Starting with a Public Adjuster is often the best first step because they:

• Document the claim professionally

• Build a strong evidentiary foundation

• Aim to resolve the claim without litigation

If legal action ever becomes necessary, the attorney benefits from the PA’s comprehensive groundwork.

While no one can guarantee outcomes, studies and industry data consistently show that policyholders who use Public Adjusters often receive higher settlements than those who go it alone. And because we work on a contingency basis, you don’t pay us unless you get paid.

We don’t make promises on timing, because every claim is unique.However, what we do promise is to manage the process professionally, reduce delays caused by incomplete documentation, and keep the claim moving forward as efficiently as possible.

In most cases, yes—auto claims are often too small to justify hiring a Public Adjuster, unless the vehicle is a high-value or specialty automobile or the loss is unusually complex. Because Public Adjusters work on a percentage-based fee structure, the economics must make sense for both you and the adjuster. With smaller auto claims, the potential settlement typically doesn’t justify the cost of representation, meaning we may add limited value. However, for high-end vehicles, custom builds, diminished value claims, commercial autos, or complex disputes, hiring a Public Adjuster can still be beneficial.