FAQ
What is a public adjuster?
A licensed professional who represents policyholders in negotiating insurance claims, working to ensure a fair settlement. Unlike insurance company adjusters, they work exclusively for the insured.
How does a public adjuster differ from an insurance company adjuster?
Insurance company adjusters work for the insurer, while public adjusters work for the policyholder to maximize claim payouts.
When should I consider hiring a public adjuster?
When dealing with a large or complex claim, feeling the offer is too low, or lacking time or expertise to handle the claim.
How are public adjusters compensated?
Typically take a percentage (5%–30%) of the final claim settlement. Payment is usually contingent on a successful outcome.
Is hiring a public adjuster likely to result in a higher settlement?
Often yes—public adjusters typically help clients receive higher settlements due to their expertise.
Are public adjusters licensed and regulated?
Yes, they must be licensed in their operating state and follow regulations and ethical guidelines.
Can a public adjuster assist with any type of insurance claim?
Mostly with property damage claims (e.g., fire, flood, storm). They usually don’t handle auto or health insurance claims.
Will my insurance company treat me differently if I hire a public adjuster?
No, it is illegal for insurers to retaliate or treat you differently for hiring a public adjuster.
What should I look for when choosing a public adjuster?
Look for licensing, experience, references, and clear fee structures. Make sure they’re transparent and reputable.
Is it too late to hire a public adjuster if I’ve already received an offer?
Not necessarily—if the offer seems low, a public adjuster can still review and negotiate for a better settlement.
Licensed in PA, NJ, DE, MD
PA Lic # 1012273
NJ Lic # 3001412428
DE Lic # 3001626166
MD Lic # 3002260934