What is a Public Adjuster?

A haggler might insist a public adjuster is really a private adjuster since they are hired and paid by the insurance policy holder. On the other hand, they are available to the public when it comes to getting what is due from an insurance claim.  A public adjuster will assess your damage, interpret just what your coverage provides, and negotiate with the insurer on your behalf.

Not every settlement calls for an adjuster. If, like the majority of people, you are not familiar with public adjusters, you may have questions:

When should I consider hiring a public adjuster?

  • If you suffer a disaster that leaves you too stressed to deal with filing a claim.
  • Your insurance agent is willing to settle the claim but with an amount you believe to be insufficient
  • Your claims department is not responding to your attempts at communicating
  • When your damages amount to $10,000, considered the rule-of-thumb tipping point, or more.

How do I find one?

You can start with the National Association of Public Insurance Adjusters’ website for members in your area, and their reference list. After contacting former clients, it doesn’t hurt to check with your local Better Business Bureau.

How much will I pay?

In the majority of cases a public adjuster’s fee will come out of your settlement. Some charge as much as 15%, however some states set limits on the percentage.

For information in Texas, contact North American Advantage Insurance Services. They can also inform you about options in the other 23 states in which they are licensed.