Frequently Asked Questions

What is a Public Adjuster?

A Public Adjuster is a highly skilled insurance professional that has extensive knowledge of insurance polices and who specializes in the adjustment of claims.  They are hired by policyholders to present, manage and negotiate their claims.

Why can’t I work directly with the insurance company and  get the same results?

History shows that it is unlikely that you will obtain the same results.  The insurance company’s adjusters represent their interests, not yours. Many company adjusters are overworked or inexperienced and it often results in the inaccurate adjustment of your claim.  Therefore, many things you are entitled to receive are missed or overlooked.

Why is it in my best interest to hire my own Public Adjuster instead of using the insurance company adjusters?

The insurance company adjusters are employed by the insurance company and they are looking out for their interest and doing what they are told.  On the other hand, we work for you and our loyalties are to you. We are only looking out for your interest.  It is hard for insurance company adjusters not to have some sort of conflict of interest or be impartial because the insurance company pays their salary.

Will I be Cancelled or will my Rates go up if I use a Public Adjuster?

No, not for using the services of a Public Adjuster. However, you need to be aware that when you file a claim it may trigger an underwriting review which can result in a rate increase and/or other changes with your current policy and its coverage.  The California Department of Insurance has attempted to limit the what is sometimes called the “use it and lose it” practices of the insurance industry.

Do I have to pay my public adjuster up front?

No, we work on a contingency basis.  We are not paid unless you are paid and we collect money from the insurance carrier. 

Is it to late for me to hire a Public Adjuster after I received payment(s)?

No, you can hire us after you have received payments.  The only time it is to late to hire  us is after any applicable time limitations have expired. We recommend you contact to review your claim if you think you may have been underpaid to determine if there are any other reasons that would prevent you from retaining us.

Why can’t my Agent handle the claim for me?

Your agent is not trained to adjust claims.  In general, they are not familiar with construction and what it will take to restore you home or business. In almost all cases, your agent is not involved in the actual adjustment of your loss.  In addition, they are usually not licensed to adjust claims and negotiate settlements on your behalf.

What’s the difference between a Public Adjuster and Attorney?

Public Adjusters are not attorneys.  We specialize in the adjusment of property damage claims.  Unlike attorneys, we actually document the loss in order to support the damages to get you paid as soon as possible.  Many attorneys will hire Public Adjusters to help them evaluate damages so they will know the extent of the damage.  Also, Public Adjuster’s do not provide legal advice.