Frequently Asked Questions

There are three types of adjusters licensed by the State:


Company Adjuster – is employed by the Insurance Company to represent the company in dealing with your loss and damages. The Company Adjusters main responsibility is to protect the interests of the Insurance Company.


Independent Adjuster – is hired by the Insurance Company to represent the company in dealing with your loss and damages. The Independent Adjusters main responsibility is to protect the interests of the Insurance Company.

Public Adjuster – Private Adjuster - is the only Adjuster specifically licensed by the State to represent you, the Insured. The Public Adjusters main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.

If you have just suffered an insurance loss, from a fire, hurricane or some other traumatic event, you may not feel confident in representing yourself and your interests before an Insurance Company. Consider these three points.

A typical insurance policy is dozens of pages long and contains numerous provisions and stipulations – written in technical and legal terms. Additionally, it contains various forms and endorsements, which are constantly changing from year to year. Most Insureds have difficulty in understanding all of them. To be compensated for your loss, there are certain conditions which must be satisfied – Failure to do so could reduce your settlement amount or even cause your claim to be denied.

No matter how organized you and your documentation is, filing and receiving payment on a claim can be a time consuming and tedious process.

If you are not sufficiently organized and your loss documented, you may not realize the compensation you have paid for and are entitled to receive.

A Public Adjuster has the experience, knowledge and expertise to obtain your maximum entitlements under your policy.

Remember that the Insurance Company Adjuster is representing the insurance company. It is not uncommon for the Insurance Company to misinterpret their own insurance policy or forget to apply case law or Statutes which supersede their own policy.

A Public Adjuster will know current laws as they affect insurance losses and how to best represent you. A Public Adjuster has resources to help you through the maze of estimating, documenting, and filing your insurance claims.

Yes you can. Be prepared to document all aspects of your loss, and follow through with the agent and the company. However, if your loss is significant (more than $10,000) you should consider hiring your own expert Public Adjuster to receive your full entitlements. Remember, the insurance company has their own expert representing them.

Public Adjusters charge a percentage of the settlement for their service to you. The Public Adjuster is not paid until you are paid. There are no upfront fees for their services. Percentages vary from adjuster to adjuster, so it is best to shop for the best adjuster for you.

No, they are not.  Their services are available only the Insured public, not the Insurance Company.