What is a Public Insurance Adjuster?


The short answer is:


A Public Insurance Adjuster is an expert on loss adjustment and the recovery process, and is employed by the policyholder not the insurance company. The Public Adjuster assists you, the insured, with his intimate knowledge of insurance policies and negotiation techniques, in preparing, filing and managing the payment of insurance claims regarding property loss. He works on your behalf.

A longer, more detailed, and impartial answer can be had from this Wikipedia entry:


Public adjuster


From Wikipedia, the free encyclopedia


A public adjuster is an insurance claims adjuster who is an advocate for and paid by the policyholder in appraising and negotiating an insurance claim. Public Adjusters exist because of the inherent conflict of interest that exists when one person or entity attempts to represent two sides of a financial transaction. Public Adjusters are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.


In the United States, a Public Adjuster can only work with insurance claims related to personal or business property damage. Car accidents, life insurance and other types of insurances claims cannot be handled by a Public Adjuster. Also, most states require every Public Adjuster to be licensed and bonded in order to represent any policyholder in the respective State. Public Adjuster are required to have taken classes and be tested on the many aspects of handling claims, insurance companies and policyholders.


In the United Kingdom, Public Adjusters are called Insurance Loss Assessors.


There are three classes of insurance adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent adjusters (independent contractors hired by the insurance company) and Public adjusters (employed by the policyholder). "Company" or "Independent" adjusters can only legally represent the rights of an insurance company.


Among other things, it is the Public Adjuster's responsibility to:


  • Evaluates the existing policy to determine what coverage that may be applicable to an insurance claim;
  • Makes recommendations to improve on the insured's existing policy to insure the polcyholder has the best coverage for their situation. Any changes to the policy are made by the policyholder's insurance agent;
  • Researches, details and substantiates every aspect of a claim, including building damage, contents, and extra living expense claims.
  • Determines the appropriate values for settling all covered damages;
  • Negotiates the best possible settlement with the insurance company on behalf of an insured.
  • Conducts a policy consultation and inspection of the policyholder's property to identify and damage the policyholder may not be aware of at the time.
    1. This inspection and policy review is usually done by most Public Adjusters at no cost to the policyholder.
    2. It is recommended policyholders have this policy consultation and inspection prior to any claims in order to insure they have the best coverage in the event of a claim.
    3. This relationship is also important to establish prior to any claim, so in the unfortunate event that damage is incurred to the policyholder’s property, they are just a phone call away from having the Public Adjuster's knowledge, skills and strength on your side right from the beginning of the claim negotiation process.


Typically, most Public Adjusters are paid based on a percentage of the total settlement they negotiate. The Public Adjuster's fee may be justified by success in these negotiations. It is not uncommon to see a significant increase in the settlement amount once a Public Adjuster is hired by the policyholder.


Equally important is a Public Adjuster is educated in the same fashion as insurance company adjusters and independent adjusters. Why is this important? Many homeowners are not familiar with what damage to look for after a property damage incident or what their policy covers. Thus the policyholder can come up short when paying to have the damages taken care of and/or have hidden damage go unnoticed and cause the policyholder problems in the future


In short, a Public Adjuster has the knowledge and skills to work with the insurance companies to ensure the policyholder gets the maximum amount of reimbursement for not only the easy-to-see damage but the hidden damages. Do you want to deal with the negotiation hassles with the insurance companies while at the same time knowing they have decades of experience dealing with policyholders and the knowledge to insure the best interests of the insurance company that pays them, are taken care of with each case?. A Public Adjuster insures that the policyholder's best interests are taken care of with each claim. So the PA levels the playing field in the policyholder’s best interests


Many policyholders are unaware that Public Adjusters exist as an option to dealing directly with the insurance company representatives. A professional, conscientious Public Adjuster can make a tremendous difference in the amount of a policyholder's settlement as well as reduce or eliminate the stress and hassle of dealing with property insurance claims.


Typically, most Public Adjusters are compensated based on a percentage of the total settlement they negotiate. Through such negotiation, the Public Adjuster's fee is justified in many cases. It is not uncommon to see a 60 to 80% increase in the settlement amount after a policyholder hires a Public Adjuster is hired. In other cases, the Public Adjuster's fee can be less than any increase in settlement, leaving the homeowner worse off than if he or she had dealt directly with the insurance company.


In some cases, a Public Adjuster can re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled. The fees for a re-opened claim are higher due to all the extra work involved but in the end the Policyholder may end up with more money to take care of their claim then if they did not have a Public Adjuster working on their behalf.



When to contact a Public Adjuster


It is best to head off a situation of underinsurance through a proper analysis of coverage needs ahead of time. Nonetheless, there are still many avenues available to policyholders to maximize their financial recovery and minimize their underinsured losses after a loss occurs. The experience and creativity provided by the assistance of a Public Adjuster are key to developing the best possible strategy for presenting an underinsured claim.


Shortly after notifing the insurance company of a loss, an adjuster representing the policyholder's carrier will visit the policyholder to gather facts about how the loss occurred, the magnitude of the loss, and the possibility of subrogation. The policyholder should take care in answering these questions, especially if the policyholder's knowledge of property insurance in general and the specific nature of their coverages is limited. Incorrect, incomplete or inadequately expressed answers may reduce the amount that can be claimed. In the absence of a public adjuster, a policyholder, unfamiliar with the basis for the exclusions, may blindly accept the adjuster's position and not get paid for a loss that is legitimately covered under the insurance policy.


Policyholder's find it increasingly important to employ their own outside consultants to help document and expedite their claims if they are to obtain a satisfactory claim recovery and restore their business operations as quickly and completely as possible. However, the fees of these outside experts, no matter how well-earned, can be an added burden when they are borne entirely by the policyholder.


Increasingly, insurance companies employ experts to support their side of a claim settlement, so it behooves today’s policyholder to take advantage of similar professional resources to help prepare, support and settle their claims. Understanding and utilizing the coverages available for this purpose can help protect the policyholder not only against financial loss, but for the cost of recovering it.







Main Office Info

My Adjuster LLC

David Hastings, President


Main Office:

200 E Beltline Rd.
Suite 104
Coppell, TX 75019


LA Office:

3611 Kirkman Street
Lake Charles, LA 70607


Toll Free:

(844) 344-0422

(800) 797-2398 Fax



CO 550904

MN 40550406

TX 2026010, 534386

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