A Public adjuster is an insurance claims adjuster who is an advocate for the policyholder in appraising and negotiating an insurance claim. Licensed public adjusters can legally represent the rights of an insured during a property insurance claim process and ensure a prompt and fair settlement.

2.Why should I hire a public adjuster?

Unlike adjusters hired or working for the insurance company, a public adjuster works exclusively for you. They have the necessary all the documentation and represent your interests during the claim process, reliving you of many time consuming matters and assuring you get a prompt and fair settlement.

3.Who are the adjusters from LeadingPublicAdjusters.com?

The adjusters in our directory represent the best in the field. They are all state accredited, and also members of the National Association of Public Adjusters.

4.What is the role of leadingpublicadjusters.com?

Leadingpublicadjusters.com mission is to connect individuals and businesses who had suffered economic losses with top public adjusters from around the country, and also provide a platform for our member adjusters to share their insights with the public. The directory is membership based, but it is free for the public to access.

5.How do I find a public adjuster in my area?

To find someone in your area, click on the Directory tab in the top menu. If you you would like to recommend a public adjuster for inclusion in our directory, or would like to share your experience about working with a public adjuster, please click here.

A public adjuster, on the other hand, will perform an independent assessment of the losses, will help you understand your rights and file your claim properly, will help collect the supporting evidence to substantiate the claim while also having the necessary expertise to negotiate with the insurance company from the same level. Hiring a public adjuster generally increases someone’s claim payment by a significant amount, and thus cutting into the insurance company profits.

Let’s take a short example: Susan M. and her family were on a trip when a pipe broke and the first floor of her house was flooded. The damages were substantial, but the claim adjuster from the insurance company said the damage was Susan’s fault, because she didn’t fix the water pipes in time. So, the insurance company agreed to pay only a fraction of what it would cost to repair the damages.  However, Susan decided to hire a Public Adjuster.   He demonstrated to the insurance company that Susan was properly maintaining her property and the pipe break was an accident. The new settlement was five times larger than what the insurance company initially agreed to.

So will your insurance company hate it if you hire an public adjuster? You bet!  But if you want you a fair settlement from your insurance company, you must hire your own public adjuster.

But filing a claim takes time and energy, especially if you don’t have a record or receipts of your possessions and their value.  Also, you may find out, that the amount the insurance is paying is much less then what it takes for you to rebuild your home and replace its furnishings.  Moreover, to your frustration, you may find the check delayed, and your family’s dream of getting back to normal, postponed.

At times like this, working with a public adjuster can be a god send.  Besides assuming the responsibilities of getting your claim filled and processed, the adjuster will have all the necessary expertise to assure you are not getting the short end of the stick, while also keeping on top of things for a timely payout.

But hiring an adjuster is not as easy as it may seem.  You want to hire the best, not just because you want your claim processed timely and efficiently, but also because your insurance may be antagonistic to someone inexperienced, who exaggerates the claims and doesn’t have the experience, thus making the whole process harder instead of easier, for everyone involved.

We made the process of hiring an adjuster easier for you.  By choosing an adjuster from our directory, you know you are working with competent, experienced and qualified public adjusters, that will do their best to help you and your family get a fair and timely settlement.

Most insurance companies will encourage you to take a home inventory. It is of course an excellent idea. It is easy enough to do, and will save a lot of hassle later on. However, they don’t really explain how to properly document the condition of the most expensive items in your home or business, like your windows and doors, your roof, kitchens and bathrooms, etc. Make sure you save recipes from any upgrades in a safe place. And take lots and lots of pictures.

Also, if your losses were substantial, don’t hesitate to talk to a professional loss consultant. Find a leading private property adjuster in our directory, and let them help you get the settlement you deserve.