Frequently Asked Questions

. Many homeowners hire a public insurance adjuster after receiving a recommended claim payout from their insurance company’s adjuster that is lower than what was expected. However, hiring an independent adjuster at that point could add weeks to the claim handling process. The best time to hire a public claims adjuster is before you file the claim or at the beginning of the claim process. 

 No, a contractor and a public adjuster have separate responsibilities. Although a contractor is qualified to survey damages and estimate repair costs, they cannot handle or negotiate your insurance claims as this falls under UPPA (Unlicensed practice of public adjusting). If the public adjuster is questioning damage or what it might cost to fix, they can decide to bring in a contractor or other experts for a second opinion. 

 For any homeowners insurance claim, a public adjuster may be able to point out claims money you’re entitled to that you didn’t even know about, After all, a homeowner can’t be expected to be an insurance expert. A public adjuster will also keep working when you’re exhausted by the whole process. By maximizing your claim, they can pay for themselves.

On a smaller claim, a public adjuster may be able to find language in your insurance contract that can result in thousands of dollars extra for your claim.

  Public adjusters work for and are paid by you, the policyholder. Their job is to ensure your claim payout accurately reflects the cost of repairs or replacements. They can also help you understand your coverage, manage a complex claim and keep your claim on track.

Contrary to what the name suggests, independent adjusters are hired by the insurance company to evaluate claims. They work on behalf of and are paid by the insurer.