A public adjuster is a licensed insurance professional who works exclusively for you — the property owner — throughout the insurance claims process. Here's exactly what that means.
When you file a property damage claim, your insurance company sends its own adjuster to inspect the damage and determine what they’ll pay. That adjuster is a company employee — their job is to manage the insurer’s costs, not to maximize your recovery. A public adjuster is the property owner’s equivalent: an independent, licensed professional hired by you to inspect the damage, build the claim, and negotiate on your behalf.
Some property owners call a public adjuster the day damage happens, before filing anything. Others call after the insurer’s offer feels low, after a claim is denied, or after months of delay. Both are the right time — a public adjuster can step in at any stage of the process.
When to Hire a Public AdjusterThe insurance company’s adjuster and a public adjuster both evaluate your damage — but they work for different people, with different incentives.
See the Full ComparisonHail, wind, water, roof, storm, hurricane, fire, commercial, and residential — we handle the full range of property insurance claims.
Your insurance company has adjusters. Now you do too.. We work for the property owner, not the insurance company — free inspection, no upfront cost, and no fee unless we recover money on your claim.
