A public adjuster is an insurance claims expert who interprets the business or homeowner’s policy, assesses the damage and the repair cost, and negotiates with the insurance company on behalf of the
business or homeowner until the claim is settled.
Public adjusters market themselves as licensed professionals who act solely on behalf of the policyholder and help ensure policyholder get the money they are entitled to under the policy.
They are different from adjusters hired by the insurance companies to assist with the claim because a public adjuster’s compensation comes out of the business or homeowner’s pocket, not the insurance company’s.
Some people decide to hire a public adjuster simply because they simply don’t have the time to deal with the insurance company and go through the claim process.
The general rule of thumb is if you estimate you have damages or losses exceeding $10,000 or more, it’s probably a good idea to hire a public adjuster.
If your insurance company adjuster doesn’t return your calls or answer questions properly, or if you think the adjuster left any damages off your claim, you should probably hire your own public adjuster to deal with the insurance company.
One good way is to go by prior clients and word of mouth, check their online reviews and their websites, get a reference list and talk to some of their previous clients and hire a reputable adjusting company.
Search online and read their Yelp & Google Reviews, see if they have local offices and public adjusters near you.
It’s also helpful to check with your state’s department of insurance to see if there has been any complaints filed against the adjuster or the public adjusting company you you are about to hire.