What is a Public Adjuster?

A public adjuster is a professional claims handler or claims adjuster who represents the insured policy holder in their insurance claim. Depending on the state, licensed public adjusters are required to prove competency in a variety of ways; written examination, experience time frames, and background checks. The role of a public adjuster is to recover the best possible indemnification for their claims. Individuals may prefer to avoid the stress of claims handling themselves, and choose public adjuster representation to guide them through the process and minimize the time which must be spent to file their claim properly.

Public adjusters negotiate with insurance companies/carriers for an adjustment or settlement.

Public adjusters review the applicable insurance policy to determine coverage for the loss, assess the cause of loss to determine applicable coverage, assist the insured to prepare detailed scope and cost estimates to prove their loss.

Public adjusters also provide insurance policy interpretation to determine if coverage exists, and to negotiate with the insurance company/carrier to a final and fair settlement. Most public adjusters charge a percentage of the settlement.

A public adjuster is a representative of the insured/policyholder who advises, manages, and submits a claim to the policyholder's insurance company.

A public insurance adjuster advocates exclusively for policyholders.

Why Use a Public Adjuster?

We Take On The Insurance Companies For You!

If you do not FULLY understand your insurance policy and all the legalese contained therein, you are at a disadvantage when negotiating with the insurance company.

Your insurance company’s adjuster is looking out for the insurance company’s best interests.

Let a Golden Years Public Adjuster look out for yours!