An insurance adjuster is a professional who can help you through the process of filing an insurance claim. They protect your interest and make sure you are getting exactly what you deserve. In return, they get a percentage of the settlement, usually between 10% to 20% and will only get paid after you have been awarded your compensation.


You might be wondering – why should I hire my own adjuster and lose a portion of my settlement? Here are the main reasons:

  1. They work for you.

These insurance claims specialists understand the industry inside-out and they can negotiate with the insurance company to ensure you get what you deserve. They will fight for you until you get what you are entitled to.

  1. They only get paid when you get paid.

They work on a contingency basis so you’re basically not going to have to spend a single dime for their services, at least not until you get what is rightfully yours.

  1. You get more money.

They will carefully assess and scrutinize every single damage incurred so that you will receive more money than if you rely on the insurance company’s own adjusters.

  1. You’ll be treated fairly.

Usually, if you don’t like the offer of your insurance company, you can go to arbitration. But the problem is that it is the insurance company who pays the arbitrator.

  1. The insurance company’s initial offer is always less than the value of your claim.

They would never offer you the maximum amount you can get. They are a business and as such, they want to protect their own interests.

  1. Public adjusters are trained professionals who will work for you.

They have your financial interest at heart and they will work very hard to make sure you are given a fair settlement.

How It Works

Your public adjuster will arrange and present your claim to the insurance company, guaranteeing that you get a fair adjustment which covers everything you’re entitled to based on your policy.

During the process, your adjuster will conduct a physical inventory, get quotes and appraisals, and ascertain that all policy provisions are met.

Should You Hire One?

The short and simple answer is yes. Public insurance adjusters aren’t connected to insurance providers so you’re assured there is no conflict of interest. You can always process your own claim but you may not be as successful in getting an equitable adjustment as a trained professional who deals with hundreds of these cases every year.

Keep in mind that a typical policy has numerous stipulations, provisions, and riders that are always being updated. Dealing with a disaster is already stressful as it is, you probably won’t have the time, energy or the inclination to focus on the insurance claim process.

So save yourself the trouble and hire a pro. The sole purpose of an independent claims adjuster is to make sure you, as their client, will receive the maximum compensation due to you as per your insurance policy.