Public Adjuster vs Insurance Company

Insurance companies hire adjusters to protect the carrier’s financial interests. A public adjuster represents you, the policyholder.

Key differences

• Insurance company adjuster: Works for the carrier
• Independent adjuster (IA): Contracted by the carrier, still works for the carrier
• Public adjuster: Licensed professional hired by the policyholder

What a public adjuster actually does

• Builds the scope of loss (what’s damaged and why it matters)
• Quantifies value (repairs, materials, code, labor, contents)
• Applies the policy language correctly to your claim
• Negotiates settlement and escalates when the carrier delays or underpays

When to hire a public adjuster

Consider hiring us when:

• Your claim is delayed or communication is breaking down
• The insurer’s estimate is too low
• You’re being pressured to sign releases or close the claim early
• The loss is complex: roof systems, water intrusion, fire/soot, commercial interruption

Next step

Start with a free review. If appraisal is the right tool, see: Insurance appraisal process.

Call 920-210-9656 or request a free claim review.