The Benefits of Hiring a Professional Public Adjuster

When it comes to filing an insurance claim, having an advocate on your side can make the process much less stressful. A public adjuster is a professional who specializes in helping policyholders get the most out of their insurance claims. They can assess the damage, determine a cost estimate, and even negotiate with your insurance company on your behalf. Here are some of the advantages of hiring a public adjuster to help you with your claim.

Maximizing Your Claim

The primary goal of a public adjuster is to ensure that you get the maximum amount of compensation for your claim. They will review your policy and help you understand your rights and obligations. They can also help you read the fine print and explain it in simple terms. Additionally, they can help you organize the process and document your losses and needs.

Negotiating with Your Insurance Company

Your public adjuster will negotiate with your insurance company on your behalf.

They can help you fight a bad liquidation offer and ensure that you get the compensation you deserve. They can also help you find any clauses in your policy that could result in additional funds for your claim.


Public adjusters must be licensed in each state in which they practice their profession and, like other professionals, are required to participate in continuing education courses to maintain their license. Many are also members of professional organizations, which requires certain standards of aptitude. Insurance agencies generally understand the desire to hire an additional advocate and respond in a professional manner when they hire a public adjuster.


Public appraiser fees are usually a percentage of the amount the insurance company pays for the policyholder's claim.

This percentage can range from 5% to 20%, depending on the amount of work involved and the complexity of the claim. It's important to research your state's rules to find out if there are limits on what a public appraiser can charge.

When to Hire a Public Adjuster

If you have the time, energy, and ability to assess and catalog your losses, assess the cost of returning your property to its pre-loss state, and carefully read your policy, you may not need a public adjuster. However, if the damage is extensive or if it's difficult to determine the extent of the damage, many homeowners choose to hire one. Additionally, if you go directly to an attorney, they will likely hire a public appraiser to investigate the claim. Hiring a public adjuster can be beneficial when filing an insurance claim.

They can help you maximize your claim, negotiate with your insurance company, and ensure that you get the compensation you deserve. Be sure to verify that they are licensed and members of professional organizations before hiring them. Overall, having a public adjuster on your side when filing an insurance claim can be invaluable. They can provide expertise and guidance throughout the process, helping you get the most out of your claim.