What is a Licensed Public Adjuster?

A licensed public adjuster is an insurance professional who works exclusively for you, the policyholder, and not the insurance company. They handle every aspect of the claim process, from assessing damage to negotiating settlements. Additionally, public adjusters are licensed and regulated by state authorities, ensuring they meet specific standards of practice and ethics.

A licensed public adjuster is different from an insurance company adjuster (also known as insurance adjusters or public insurance adjuster), who is hired by your insurance company. The insurance company's adjuster does not represent your best interest but instead is representing the interest of the insurance carrier.

Unlike insurance company adjusters, a licensed public adjuster is representing you and wants to ensure you receive the maximum payout you are owed for damages under your insurance policy.

When you experience property damage to water, fire, marijuana, theft/vandalism, earthquakes, and other natural disasters, a licensed public adjuster will help you through the entire claims process, including speaking with your insurance company.

How a Licensed Public Adjuster Advocates On Your Behalf in the Insurance Claim Process

Comprehensive Damage Assessment

Public adjusters conduct a thorough and detailed evaluation of the damage to your property. They identify all losses, including hidden and secondary damages, to ensure nothing is overlooked.

Detailed Claim Preparation

Public adjusters prepare a comprehensive claim that includes detailed estimates, repair costs, and replacement values. This ensures that all aspects of the loss are documented and covered in the claim submission.

Professional Negotiation

With their deep understanding of insurance policies and claims processes, public adjusters negotiate effectively with insurance companies on your behalf. They work to secure a fair and adequate settlement that fully covers your losses.

Policy Interpretation

Understanding the complexities of insurance policies can be challenging. Public adjusters interpret your policy, ensuring you receive all the benefits and coverages you are entitled to under your insurance contract.

Why Should I Hire a Public Adjuster?

Hiring a public adjuster can provide many benefits during your insurance claims process, including:

Maximizing Your Settlement

Time and Stress Management

Handling a significant 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 claims process, public adjusters act as intermediaries to resolve issues. Their negotiation skills and knowledge of insurance law help in reaching amicable resolutions.

Types of Claims Handled by Public Adjusters

Residential Property Claims

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

Commercial Property Claims

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

Catastrophic Loss Claims

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.

Signs You Could Benefit From Hiring a Public Adjuster

You might benefit from hiring a public adjuster to advocate on your behalf if any of the below situations apply:

  • It’s a complex or large claim to handle
  • It’s a disputed or denied insurance claim
  • You want to maximize the settlement amount you are owed
  • You’re unsure about policy coverage details
  • There’s been significant property damage involved
  • You don’t have time to manage your claim
  • You’re frustrated with the insurance company delays
  • You need help with filing the claim documentation
  • You’re facing business interruption losses
  • You’re inexperienced with the claims process
Signs You Could Benefit Public Adjuster

How are Public Adjusters Compensated?

Public adjusters are typically compensated on a contingency fee basis, meaning they only get paid if you receive a settlement. This fee structure is a predetermined percentage of the settlement amount, agreed upon before the adjuster begins working on your claim.

There are no upfront costs, so you don’t have to worry about out-of-pocket expenses during the claim process. This structure ensures that the public adjuster is motivated to secure the highest possible settlement for you, aligning their interests with yours.

Public adjusters play an important role in the insurance claim process, advocating for you, the policyholder, and ensuring you receive the compensation you deserve.

Whether dealing with residential, commercial, or catastrophic loss claims, their expertise and dedication can make a significant difference in the outcome of your claim. If you’re facing a substantial loss, consider enlisting a licensed public adjuster to advocate for your best interests and help you navigate the complex insurance landscape.

Excel Adjusters: The Best Public Adjusters in Southern California

At Excel Adjusters, we work for you. We specialize in residential and commercial property loss for water, fire, wildfire, earthquake, flood, and theft. To this day, we have handled over 2,000 damaged property claims. Our highly trained team of professionals identifies, quantifies, and establishes the full extent of your loss with your insurance company. Our experts relieve you of the intricacies and complex procedures that come with handling claims in English, Korean, Chinese, and Vietnamese throughout the entire process.

Get help from the most reputable public adjuster.


Call:(213) 800-3333
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