When you experience a loss or damage to your property, filing an insurance claim can be a confusing and stressful process. Insurance companies may not always have your best interests in mind and may try to minimize your settlement. This is where an insurance public adjuster comes in.

An insurance public adjuster is a licensed professional who works on behalf of policyholders to help them maximize their insurance claim settlements. Public adjusters are experts in insurance policies, coverage, and claims processes. They help policyholders navigate the complex and often overwhelming insurance claims process and negotiate with insurance companies for fair and equitable settlements.

Insurance public adjusters work with policyholders to document damages and losses, review insurance policies to identify coverage, and negotiate with insurance companies to ensure fair compensation. They can also provide guidance and advice throughout the claims process and help policyholders understand their rights and obligations under their insurance policies.

Public adjusters typically work on a contingency basis, meaning they only get paid a percentage of the settlement amount they negotiate for you. The percentage varies by state and can range from 5% to 20% of the settlement amount. Public adjusters do not get paid unless they successfully negotiate a settlement on your behalf.

It is important to note that not all insurance public adjusters are licensed. In most states, public adjusters are required to be licensed and regulated by the state insurance department. When choosing an insurance public adjuster, it is important to verify that they are licensed and in good standing with the state insurance department.

Overall, an insurance public adjuster can be a valuable resource for policyholders seeking to maximize their insurance claim settlements and ensure fair compensation for their losses and damages.