Public Claim Adjuster

What is a Public Adjuster?

Should I hire a Public Adjuster?

Both very important questions for those that have an insurance claim and want the best settlement possible!


What is a Public Adjuster?

A Public Adjuster is an insurance adjusters who work solely for the policyholder and not the insurance carrier. How does that differ from other adjusters? Company or “insurance” adjusters work for the insurance company, not you. Independent adjusters also work for the insurance companies, not you. (These adjusters are simply independent agents rather than full time employees. An independent agent is likely working for many different insurance companies simultaneously.) But a public adjuster represents the only type of insurance adjuster who works soley for policyholders and not for the insurance companies. Why does that matter? It means public adjusters have no conflict of interest when negotiating on your behalf with the insurance companies. It also means that public adjusters will usually contact you after a disaster. Knowing what questions to ask is key to distinguishing between reliable and untrustworthy firms.Public Adjuster = larger payout

Another few good ways to know if an adjuster is reliable to to ask if they members of NAPIA the National Association of Public Insurance Adjusters, if they have been in business more than 5 years and carry atleast a A Rating as a BBB member, that is the golden standard.  To find out more about NAPIA certification go to 

By definition: A "public adjuster" is any person, except a duly licensed attorney at law, who, for money, commission, or any other thing of value, prepares, completes, or files an insurance claim form for an insured or third-party claimant or who, for money, commission, or any other thing of value, acts on behalf of, or aids an insured or third-party claimant in negotiating for or effecting the settlement of a claim or claims for loss or damage covered by an insurance contract or who advertises for employment as an adjuster of such claims. The term also includes any person who, for money, commission, or any other thing of value, solicits, investigates, or adjusts such claims on behalf of a public adjuster.


United States Adjusters are A- Rated by the Better Business Bureau


US Adjusters trifold

Should I hire a Public Adjuster?

Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.

Several of United States Adjusters recent settlements

At United States Adjusters we will get you the settlement you deserve

Type of Loss

Insurance Co. Offered

US Adjusters Recovered

% Increase

$ Increase































Natural Disaster

ZERO (under deductible)

$1.3 Million


$1.3 Million

Natural Disaster





Natural Disaster





Natural Disaster





what is a public adjuster


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