What a public adjuster does
A public adjuster is hired by a policyholder to help prepare, present, and negotiate a property insurance claim. The policyholder pays for that service under an agreement with the adjuster.
A company adjuster works for the insurer. An independent adjuster may be contracted by the insurer. The word “independent” does not by itself mean the adjuster represents you. Ask who engaged the adjuster and whose interests they represent.
You can work directly with your insurer
Hiring a public adjuster is a choice. You can report and discuss a claim directly with your insurance company. Its claims adjuster assesses the loss without charging you a separate adjuster fee.
Before choosing assistance, write down the work you need help with: organizing a property inventory, reviewing damage estimates, or communicating about your claim. Ask a prospective adjuster how their proposed services address those tasks.
Understand the proposed service
A directory listing or membership is separate from a license. Check applicable requirements and current credentials with the insurance department for the property’s state.
- Who will be my day-to-day contact, and how will I receive updates?
- What work is included, and what will I still need to do?
- How is the fee calculated, when is it due, and what expenses are additional?
- Which license or authorization applies where my property is located?
These guides provide general education. Your policy, circumstances, and state requirements determine what applies to your claim. Sources from individual states support questions to ask; their rules do not apply nationwide.
Find your state insurance department