A Public Adjuster is an insurance claims adjuster who provides personalized expert assistance to the policyholder in evaluating and negotiating an insurance claim in conjunction with the insurance company’s adjuster. This allows the property owner to receive an accurate analysis of their circumstance and their policyholder rights as early as possible.

The Public Adjuster documents the policyholder’s loss on behalf of that policyholder, taking care of the claim process and helping to document all losses and damages to the insurance company adjuster. The Public Adjuster’s sole responsibility, unlike that of an insurance company adjuster, is to represent the policyholder’s best interest. Generally, a Public Adjuster handles claims for damage to personal property, which results from such perils as fire, lightning, wind, water, vandalism, theft, collapse, hail, flood, etc. The primary responsibility of a public adjuster is to read the policy of insurance to interpret coverage issues, evaluate the damage, prepare an estimate and gather other claim documentation, and negotiate with the insurance company’s adjuster.