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Demystifying Public Adjusters: When to Hire One and What to Expect

Navigating the world of insurance claims can be a daunting task, especially in the aftermath of a disaster. Whether it’s damage from a storm, fire, or another unexpected event, dealing with the insurance company can add stress to an already challenging situation. This is where a public adjuster can be invaluable. In this blog post, we will demystify the role of public adjusters, explain when you should consider hiring one, and outline what you can expect from their services.

What is a Public Adjuster?

A public adjuster is a licensed professional who advocates on behalf of policyholders when they file an insurance claim. Unlike insurance company adjusters, who work for the insurance company, public adjusters work exclusively for the policyholder. Their primary role is to ensure that the policyholder receives the maximum settlement to which they are entitled under their insurance policy.

The Role of a Public Adjuster

  • 1. Assessment of Damages
Public adjusters conduct a thorough and detailed assessment of the damages to your property. They document everything meticulously, often identifying damages that may be overlooked by the insurance company’s adjuster.
  • 2. Policy Review
They review your insurance policy in-depth to understand the specific coverage, exclusions, and limits. This ensures that all potential areas for compensation are identified and pursued.
  • 3. Claim Preparation
Public adjusters prepare and file the insurance claim on your behalf. They ensure that all necessary documentation and evidence are included, which helps to streamline the claims process.
  • 4. Negotiation with the Insurance Company
One of the most critical roles of a public adjuster is to negotiate with the insurance company. They leverage their expertise and knowledge of the insurance industry to advocate for a fair settlement.
  • 5. Settlement Agreement
Once a settlement is reached, the public adjuster ensures that all agreed-upon terms are honored and that the policyholder receives the compensation in a timely manner.

Benefits of Hiring a Public Adjuster

  • 1. Expertise and Knowledge
Public adjusters have specialized knowledge and expertise in handling insurance claims. They understand the intricacies of insurance policies and the claims process, which can significantly benefit the policyholder.
  • 2. Time-Saving
Handling an insurance claim can be time-consuming. Public adjusters manage the entire process, allowing policyholders to focus on recovering from the event that caused the damage.
  • 3. Maximized Settlement
Public adjusters work to ensure that policyholders receive the maximum settlement possible. Studies have shown that policyholders who use public adjusters often receive higher settlements than those who do not.
  • 4. Stress Reduction
Dealing with an insurance claim can be stressful, particularly in the wake of a disaster. Public adjusters handle the complexities of the claims process, reducing the stress on the policyholder.
  • 5. Fair Representation
Insurance company adjusters represent the interests of the insurance company. Public adjusters, on the other hand, represent the policyholder, ensuring that their interests are protected and advocated for.

When to Hire a Public Adjuster

  • 1. Complex or Large Claims
If you have a complex or large claim, such as extensive damage from a hurricane or fire, a public adjuster can be particularly beneficial. Their expertise can help navigate the complexities and ensure a fair settlement.
  • 2. Disputed Claims
If your insurance company disputes your claim or offers a settlement that seems too low, a public adjuster can help advocate for a more favorable outcome.
  • 3. Lack of Time or Expertise
If you lack the time or expertise to handle the claims process yourself, a public adjuster can take on the responsibility, ensuring that your claim is handled professionally and efficiently.
  • 4. Multiple Claims
If you have multiple claims, such as damage to both your home and business, a public adjuster can manage all aspects of the claims, ensuring that nothing is overlooked.

What to Expect When Hiring a Public Adjuster

  • 1. Initial Consultation
The process typically begins with an initial consultation, where the public adjuster assesses the damage and reviews your insurance policy. This consultation helps determine the scope of the claim and whether hiring a public adjuster is beneficial.
  • 2. Damage Assessment
The public adjuster conducts a thorough damage assessment, documenting all losses and preparing a detailed report. This report serves as the foundation for the insurance claim.
  • 3. Claim Filing
The public adjuster files the insurance claim on your behalf, ensuring that all necessary documentation and evidence are included. They handle all communications with the insurance company.
  • 4. Negotiation
The public adjuster negotiates with the insurance company, advocating for a fair settlement. They use their expertise to challenge any discrepancies or lowball offers from the insurance company.
  • 5. Settlement Agreement
Once a settlement is reached, the public adjuster ensures that the terms are honored and that the policyholder receives the compensation. They may also provide advice on how to use the settlement funds effectively.
  • 6. Ongoing Support
Public adjusters often provide ongoing support throughout the claims process, answering any questions and providing updates on the claim’s progress.

Choosing the Right Public Adjuster

When selecting a public adjuster, it’s essential to consider their experience, reputation, and credentials. Look for a licensed adjuster with a track record of successful claims. It’s also beneficial to choose an adjuster who specializes in the type of damage you’ve experienced, whether it’s storm damage, fire damage, or another type of loss.


Hiring a public adjuster can be a game-changer when it comes to navigating the insurance claims process. Their expertise, advocacy, and commitment to maximizing settlements can make a significant difference in the outcome of your claim. If you’re facing a large or complex claim, or if you’re simply looking for peace of mind during a stressful time, a public adjuster may be the right choice for you. At Making Moves Consulting, we understand the importance of having the right professionals on your side. Whether it’s a public adjuster to handle your insurance claim or our team of experts to elevate your brand through strategic marketing, we’re here to support your success. Contact us today to learn more about our services and how we can help you make moves that matter. Visit Making Moves Consulting or call us at +1 (561) 444-9330 to get started.  


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