Specializing in fire, flood, & vandalism​

A public adjuster is a professional claims handler/claims adjuster who advocates for the policyholder in assisting and negotiating an insured’s insurance claim. Aside from attorneys and the broker of record, state licensed public adjusters are also legal representatives/professionals who are entrusted by governments and consumers to legally and professionally represent the rights of an insured/policyholder during an insurance claim process.

• A public adjuster is responsible for managing every aspect of an insurance claim on behalf of the policyholder, which could be the claimant or the insured. 
• A public adjuster’s job description entails adjusting or negotiating insurance claims. 
• A public adjuster is usually an individual licensed and hired by an insurance policyholder; he/she represents the general public and is saddled with the responsibility of adjusting claims in order to effect settlements. 
• A property insurance policyholder usually hires a public adjuster in order to help him/her file a claim, and the claims adjuster will indispensably advocate for the property owner during the whole property insurance claim appraising and negotiation process. 
• In other words, a public insurance claims adjuster refers to a qualified professional individual who is hired to represent the financial interests of the entity or individual who is insured by the policy. 
• A public adjuster ensures that a claim is handled properly and that he/she achieves a fair outcome, while also working towards the successful maximization of the compensation.
• The public adjuster’s work description also entails reviewing and evaluating the claimant’s policy, which involves a thorough examination and assessment of the claimant’s property insurance policy in order to determine what coverage a particular claim will take. 
• It also entails inspecting the property and assessing the damage, which involves carrying out a detailed property inspection regardless of the insurance company’s inspection, and then include all of the damage in his or her assessment, and prepare the claimant’s insurance claim. 
• Another responsibility of a public adjuster is to prepare documents by preparing the claim to be filed with the insurance company, and to ensure that all pertinent documents are also submitted.
• A public adjuster may also re-open a previously settled claim if any discrepancy is noticed.