What is the role of a public adjuster?

A public adjuster plays a crucial role in helping policyholders navigate the complex process of filing claims with their insurance companies. Their primary responsibility is to assess the damage that has occurred, determine the amount of loss, and ensure that the policyholder receives a fair settlement based on their insurance policy. This involves gathering evidence, preparing documentation, and negotiating directly with the insurance companies on behalf of the policyholder.

The function of public adjusters is distinct from that of other stakeholders in the claims process. They are not representatives of the insurance companies, and they do not provide legal representation in court, which is a task typically reserved for attorneys. Instead, public adjusters advocate solely for the interests of the policyholders, ensuring that they understand their rights and entitlements under their insurance policy, thereby facilitating the claims process in an equitable way.