What is a Public Adjuster

A public adjuster is a licensed adjuster who works directly with a policyholder regarding insurance claims. Public adjusters specialize in in policy language, construction, and the claims process.

Public Adjusters are licensed through the Department of Insurance in most states. Public Adjusters adhere to state requirements for licensing, including, but not limited to continuing education, surety bonds, and ethics.

Public Adjusters have expertise in the claims process as well as policy language and construction practices. Public Adjusters understand how the claims process works and also understand that when a policy holder is navigating the claims process it can become overwhelming and confusing. The Role of a public adjuster is to take away much of the burden of the claims process away from the policyholder and give them peace of mind as the claim progresses.

Not every claim will need a public adjuster, but there are many signs that it is time to ask for a consolation. Some of these signs are as follows:

1.      The claim is denied, and many experts have given opinions to the policyholder that the claim should be approved

2.      An adjuster sites policy as to why the claim is not approved, or not fully approved, without giving explanation

3.      An adjuster does not release ACV funds but informs the policyholder that they will work with a contractor to determine the rebuild costs.

4.      Lack of, or no, communication.

5.      Significant time has lapsed, and no payments have been made.

Policyholders experiencing any of these signs or have other concerns should contact a public adjuster for a free consultation to determine if a public adjuster is necessary.