Property Liability claim form

Pros And Cons Of Hiring A Public Adjuster

A public adjuster works for the property owner (policy holder) so that he can settle the property damage claim on their behalf.

Hiring a public adjuster can be beneficial for you to resolve your claim for many reasons which we will get into.

If you are unfamiliar with what a public adjuster and what his duties are, then, this article is probably going to help you out.

Because in this post, we are going to talk about public adjusters and what are the pros and cons of hiring one.


What Is A Public Adjuster?

A public adjuster is hired by property owners (policyholders) when their property has sustained damage from events like Hurricanes, Roof Leaks, Water Damage, Floods, etc.

Public Adjusters are NEVER allowed to work for the insurance company.

They have 1 job—Represent the property owner, get the best settlement, and remain 100% professional during the entire claim process.

How Can A Public Adjuster Help In Commercial And Residential Property Damage Claims?

When property damage happens to your home or commercial property it is very important to hire a Public Adjuster as early as possible.  Do not hire just any Public Adjuster, make sure you hire someone who has very extensive insurance and legal background.

Residential properties are mainly composed of single-family homes, townhomes, and condo units.  The most common damage in all these properties is usually water damage.

Water can even prove to be a problem due to a variety of reasons. If restoration efforts such as “drying out” the property is not accomplished correctly, then mold can become a serious issue.

When the insurance company denies your claim, then it is time you look for a good public adjuster if you decided to try to settle the claim yourself.

One mistake many property owners make is not hiring a public adjuster right at the start of your claim.  Are there advantages to hiring a public adjuster at the start?  Absolutely!

Let me give you an example:

If you have roof damage which is causing a leak inside of your house causing a lot of damage to ceilings, walls, and floors.  When you first speak with the insurance company you might tell them that high winds caused this damage because you did not have this issue before a big storm came.   The insurance company will then use the Hurricane/Wind deductible from any money you recover which can be substantial because, in Florida, your deductible is based on a percentage (%).  Many deductibles for Hurricane/Wind Damage are 2%, 5%, or 10%.   That can amount to $5,000, $12,000, $25,000 or even more.

Now, if you were to hire The Claim Squad Public Adjusters we would be able to probably prove that the actual cause of the roof damage was the rain, not the high winds.  This would result in saving thousands of dollars on your deductible because at this point, you would NOT be held to the Hurricane/Wind Deductible

How Can A Public Adjuster Help In Commercial And Residential Property Damage Claims

Why Should You Hire A Public Adjuster?

Let’s take a look at a few reasons to hire a public adjuster:

  • They only work for the property owner, not the insurance company
  • Lower Fees (10% – 20%) vs Lawyers (33% – 50%)
  • Small companies so you should receive personalized service
  • Most have knowledge of insurance policies

What To Look For While Hiring A Public Adjuster?

Well, before hiring a public adjuster, there are many factors that you should consider.

If you have never hired a public adjuster before, then it is essential for you to read this section before taking the next step.


Background And Working Areas

If you are a home or business owner and your property is damaged or destroyed, and you want to file an insurance claim, you should understand that this is not an easy process.

You have to spend time and energy on the claim process and its common for the insurance company to completely frustrate you.

First of all, you need to document your claim by listing down and explaining almost everything that you have lost and how much money it requires to replace or repair that particular item.

After documenting your claim, do not think that you will get paid instantly.

Your insurance company will not fully compensate you.  They WILL low ball any offer they make to you so it’s likely you will end up paying for some of the damage with MONEY OUT OF YOUR OWN POCKET.

Public adjusters only work for the policyholders.

Moreover, there are two types of claims adjusters.


  • Company or Staff Adjusters
  • Independent Adjusters




PUBLIC ADJUSTERS are NOT Claim Adjusters


The company or staff adjusters are hired by your insurance company. While on the other hand, the independent adjusters are the ones who work only for insurance companies on a contract basis.

They will be assigned by your insurance company to work on your claim.

Public adjusters have a wide range of background and experience, make sure you hire somebody who has been in the insurance industry so that they fully know how the claim process works.

What To Look For While Hiring A Public Adjuster

Check Their License For Your State

While hiring a public adjuster, make sure that you have hired one that has a proper license. Ask your adjuster to show you their public adjuster license for your state.

Read about: Do Public Ajuster Really Guide and help the right way?

Check Their References

Before hiring a public adjuster, ask them for at least two of their references.


Don’t Make Decisions Quickly.

Do not rush into making decisions too quickly before you are ready to. Take your time to make the right decision.

Ask all the relevant questions from your adjuster to feel good in your selection of Public adjusters.


Pros And Cons Of Hiring A Public Adjuster

Now, let’s take a detailed look at the pros and cons of hiring a public adjuster for your residential and commercial insurance claims.

Pros And Cons Of Hiring A Public Adjuster

Pros Of Hiring A Public Adjuster:

Disasters like floods, storms, and thunderstorms can cause severe damage to your house, which can be a bit disturbing for your home as well.

This is the right time when you should hire someone to represent you for your claims.

Let’s take a look at the advantages of having a public adjuster:


Reduce Frustration by NOT having to deal with the insurance company:

A public adjuster can reduce stress levels and frustration by not having to deal with the insurance company

This may sound a bit weird, but a public adjuster deals with the insurance company so you don’t have to.  As we know, dealing with the insurance company is a frustrating situation.


You Can Get A Larger Settlement

If you choose a public adjuster who is experienced and professional, then there are chances that you may end up with a larger settlement.


Won’t need to be harassed by insurance adjuster to take their low-ball offer

Insurance company adjusters enjoy telling you their low-ball offer is the best settlement you will get, you can’t get any more money because all the damages are not covered, and many other excuses on not paying you.  Don’t believe them!

Public Adjusters have very low fees

Public Adjuster fees (10%- 20%) are much lower than Lawyers (33 1/3% to 50%)


Cons Of Hiring A Public Adjuster:

There are a lot of benefits of hiring a public adjuster for resolving your claims and other issues. But on the other hand, there are some disadvantages to hiring one. Here are some that you should be aware of.


Some Public Adjusters have little experience

If you have mistakenly hired a public adjuster without doing any essential research, then it can be harmful to you.

You must have to hire a skillful person because many responsibilities need to be done correctly.


Some Don’t Adjust Small Claims.

If you have a small claim, unfortunately, some public adjusters will avoid working with you.



There are many benefits of hiring a public adjuster, but you should know about the other consequences. While searching for the public adjuster in Florida or Miami, then you should give us a call.