Frequently Asked Questions
Straight answers about public adjusting
Common questions about how public adjusters work, how we’re paid, and when to call. Still unsure? Reach out for a free review.
What is a public adjuster?
A public adjuster is a licensed insurance professional who works for the policyholder — preparing, documenting, and negotiating a property claim on your behalf. The insurer has its own adjuster; a public adjuster represents you.
How is a public adjuster different from the insurance company’s adjuster?
The adjuster assigned to your claim by the insurer — including an “independent” adjuster — works on the insurer’s behalf; “independent” refers to the contract, not neutrality. A public adjuster is the professional licensed to represent you, the policyholder.
How are you paid?
We work on a contingency basis — a percentage of what we recover for you. There are no upfront fees, and if there’s no recovery, you don’t pay our fee. The exact percentage is set in a written contract and is subject to any applicable state caps.
Is there a cap on public adjuster fees?
Many states cap public adjuster fees, and some set a lower cap for claims tied to a declared emergency. Your written agreement will spell out the fee and any limits that apply in your state.
When should I call a public adjuster?
As early as possible — ideally before you file or accept any offer. We can also step in later: if your claim was denied, underpaid, or stalled, it’s often not too late to reopen it.
Can you help with a claim that was already denied or underpaid?
Yes. We review the denial or payment, re-document the loss, and — where your policy allows — pursue supplements or the appraisal process to pursue a fair outcome.
Do I have to use the contractor my insurer recommends?
Generally no. You choose who repairs your property. Our job is to make sure the claim reflects the full, correct extent and cost of those repairs.
What is the appraisal process?
Many property policies include an appraisal clause: a way to resolve a dispute over the amount of loss using independent appraisers and, if needed, an umpire — outside of court. We can represent your interests through it.
Do you handle commercial claims and business interruption?
Yes. We handle residential and commercial property losses, including business interruption, where that coverage applies.
What types of damage do you handle?
Hurricane, wind, hail, water, fire and smoke, flood, storm, and more — for both homes and businesses.
Where are you licensed?
We’re licensed in 13 states and expanding. See our Service Areas page, or contact us to confirm coverage for your location.
Is a public adjuster the same as a lawyer?
No. We are licensed public adjusters, not attorneys, and we don’t provide legal advice. If a claim requires legal action, we work alongside your attorney and can provide expert support.
The time to act is now
Have property damage? Make sure your claim reflects the full cost.
Get a free, no-obligation review of your loss from a licensed public adjuster. No upfront fees — we’re paid only from your settlement.