Do You Need a Public Adjuster’s Help 

Facing property damage can be overwhelming, whether it’s due to a natural disaster, fire, or other unexpected events. When navigating the complex process of filing an insurance claim, many homeowners wonder if they need the assistance of a public adjuster. Let’s delve into what a public adjuster does and when their expertise might be beneficial.

What Do Public Adjusters Do?

Public adjusters are licensed professionals who work on behalf of policyholders to help them navigate the insurance claims process. Unlike insurance company adjusters, who represent the insurer’s interests, public adjusters advocate for the policyholder to ensure they receive fair compensation for their losses.

One of the primary advantages of hiring a public adjuster is their expertise in assessing property damage and understanding insurance policies. They can accurately evaluate the extent of the damage and identify all potential areas of coverage within the insurance policy, which may include aspects homeowners might overlook.

Additionally, public adjusters handle the tedious and time-consuming tasks associated with filing an insurance claim. From documenting the damage to negotiating with the insurance company, they shoulder the burden, allowing homeowners to focus on rebuilding their lives.

What Do Public Adjusters Charge? 

While hiring a public adjuster can be beneficial, it’s essential to consider certain factors before making a decision. First and foremost, assess the complexity of your insurance claim. If the damage is minor and straightforward, you may be able to handle the process independently. However, for significant losses or disputes with the insurance company, a public adjuster’s expertise can be invaluable.

Furthermore, weigh the cost of hiring a public adjuster against the potential increase in your insurance settlement. Public adjusters typically work on a contingency fee basis, receiving a percentage of the final settlement. While this means you won’t incur upfront costs, it’s crucial to ensure that the additional compensation they secure outweighs their fee.

No Need to Rush

Experts agree, you shouldn’t make any major or irreversible decisions in the immediate aftermath of a disaster. Sign up with FEMA right away. Otherwise, take your time. You have months and months before you might need the help of a public adjuster. Experiencing the loss of your home to a wildfire is a very traumatic event. Dealing with insurance claims and property damage only adds to the trauma. Therefore, if you sense any high-pressure sales tactics, that is a good sign whoever is pressuring you is looking after their best interests and not yours.

Try your best to be patient. See how your own company’s adjuster is treating you. Review all the available resources at hand. If you’re a busy person with disposable income and do not have the time to deal with your claims process hiring a reputable public adjuster may be the right move. Otherwise, it is generally prudent to be patient. Your claim will take at least a year if not longer. You have time.


In conclusion, whether you need the help of a public adjuster depends on the complexity of your insurance claim and your comfort level navigating the process. For homeowners facing substantial property damage or insurance disputes, enlisting the assistance of a public adjuster can streamline the claims process and ensure fair compensation. Ultimately, it’s a decision that should be made based on your individual circumstances and needs.