What is a Public Adjuster?

A public adjuster is an insurance professional who works exclusively for you, the policyholder. Unlike adjusters hired by insurance companies (known as public insurance adjusters), public adjusters represent your interests, handling every aspect of the claims process from damage assessment to negotiating settlements. They are licensed and regulated by state authorities, ensuring they adhere to strict standards of practice and ethics.

Can I Use the Public Adjuster the Insurance Company Provides?

The adjusters provided by your insurance company are there to represent the company's interests, not yours. Their goal is to minimize the payout on claims, which can lead to lower settlements for you. In contrast, a licensed public adjuster works solely for you, ensuring that your claim is accurately assessed and that you receive the maximum compensation you deserve. Choosing an independent public adjuster guarantees that your interests are the priority throughout the claims process.

Why You Need a Public Adjuster

Public adjusters are invaluable in managing and negotiating your insurance claim, especially if you get the public adjuster involved early in the claims process. They conduct thorough damage assessments, prepare detailed claims, and negotiate effectively with insurance companies. Their expertise ensures that you receive a fair and adequate settlement, allowing you to focus on recovery.

Steps to Choosing the Right Public Adjuster

When trying to decide which public adjuster is the best option, make sure to consider these key factors:

Verify Their License and Credentials

Ensure the public adjuster is licensed in your state and check their credentials. Licensing ensures they meet specific professional standards and adhere to ethical guidelines.

Evaluate Their Experience

Experience matters. Choose licensed public adjusters with a proven track record in handling property damage insurance claims. Whether it's residential, commercial, or catastrophic loss claims, their experience can significantly impact the outcome of your claim.

Choosing the Right Public Adjuster

Understand Their Fee Structure

Public adjusters typically work on a contingency fee basis, meaning they only get paid if you receive a settlement. Ensure you understand the fee structure and what percentage of the settlement they will charge. This should be agreed upon before they start working on your claim.

Assess Their Communication Skills

Effective communication is crucial. Your public adjuster should be responsive, transparent, and able to explain the claims process clearly. They should keep you informed at every stage of the claim.

Look for Local Knowledge

A public adjuster with local knowledge and experience in your area can be advantageous. They are likely to be familiar with local building codes, common causes of property damage, and local insurance companies, which can help in negotiating your claim.

Benefits of Hiring a Licensed Public Adjuster

Maximized Settlements

Public adjusters often secure higher settlements than policyholders might achieve on their own. Their thorough approach ensures all damages and losses are accounted for and compensated.

Time and Stress Management

Handling an insurance claim can be time-consuming and stressful. Public adjusters manage the entire process, from initial assessment to final settlement, allowing you to focus on recovery and other priorities.

Conflict Resolution

If disputes or conflicts arise during the insurance claims process, public adjusters act as intermediaries to resolve issues. Their negotiation skills and knowledge of insurance law help in reaching amicable resolutions.

Which Types of Claims are Handled by Public Adjusters?

Public adjusters assist homeowners with claims related to fire, water, wind, theft/vandalism, and other types of damage. They ensure all aspects of the loss are covered and that the homeowner receives a fair settlement.

For commercial property owners, public adjusters handle claims involving significant damage to the property, including business interruption losses. They work to minimize the financial impact and help businesses recover as quickly as possible.

Additionally, public adjusters are experienced in handling large-scale claims resulting from natural disasters such as hurricanes, earthquakes, and floods. They provide the expertise needed to navigate the complexities of these extensive claims.

Do I Need a Public Adjuster?

You might benefit from hiring a public adjuster if any of the following situations apply:

  • Inexperience with the Claims Process: If you're unfamiliar with the insurance claims process, a public adjuster’s expertise can guide you through each step, ensuring nothing is overlooked.
  • Handling a Complex or Large Claim: If your claim is particularly complex or involves extensive damage, a public adjuster can manage the intricacies for you.
  • Disputed or Denied Insurance Claims: If your insurance claim has been disputed or denied, a public adjuster can advocate on your behalf to get the compensation you deserve.
  • Maximizing Your Settlement: Public adjusters are skilled in negotiating and can often secure a higher settlement than you might achieve on your own.
  • Uncertainty About Policy Coverage: If you're unsure about the specifics of your insurance coverage, a public adjuster can help interpret your policy and ensure all entitled benefits are claimed.
  • Significant Property Damage: In cases of substantial property damage, a public adjuster ensures all losses are thoroughly documented and included in your claim.
  • Lack of Time to Manage Your Claim: If you're too busy to handle the claim process, a public adjuster can take over, saving you time and stress.
  • Frustration with Insurance Company Delays: If you're experiencing delays from your insurance company, a public adjuster can expedite the process and push for a timely resolution.
  • Assistance with Claim Documentation: Filing claim documentation can be daunting. A public adjuster ensures all paperwork is completed accurately and submitted promptly.
  • Business Interruption Losses: For business owners facing interruption losses, a public adjuster can help minimize financial impact and expedite the recovery process.

Excel Adjusters: Your Trusted Partner in Southern California

At Excel Adjusters, we work for you. Specializing in residential and commercial property loss for water, fire, wildfire, earthquake, flood, and theft, we have handled over 2,000 damaged property claims. Our highly trained team identifies, quantifies, and establishes the full extent of your loss with your insurance company, relieving you of the complexities of the claims process in English, Korean, Chinese, and Vietnamese.

Get help from the most reputable public adjuster.


Call:(213) 800-3333
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