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Question DetailsAsked on 10/31/2012

What are the pros & cons of using a public adjuster instead of the insurance company's adjuster to resolve a claim?

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2 Answers


Pros they are in your corner
Cons they cost
Most common tool used by consumers is contractors who give you quotes and argue on your behalf with adjusters.
I do not trust insurance adjusters to have your best interests at heart.
Jim Casper 40 Years Home Improvement Contractor
ps house inspector can be used for specific area like a roof for less cost
See my blogs for roofing and guttering ideas


Answered 5 years ago by jccasper


Simple the Public Adjuster is working on your behalf and the Insurance Adjuster is working for the Insurance Co.Most Independent Adjusters feel the need to get a low repair amount for the carrier, so that they look like they have saved the Insurer money to continue getting assignments and keep working for the Insurer.

The most appropriate time to use a Public Adjuster is when the repairs to your home scope (work that needs to be done to make the repairs), and the Repair Contractor's estimate are largely different in the pricing and work that needs to be done.

When you have a Home that has damage let's say from wind/tornado to the roof, and the water has poured down the ceiling. Obviously you will need to make sure all wet items are removed and replaced. (Insulation sheetrock, paint, moving items to gain access for the work to be done etc.)

Example: The Insurance Company fails to include insulation in their estimate and they fail to include replacing the sheetrock, and just want to cut out a small area of sheetrock, and repair. It's time to get a public adjuster. But, they charge a percentage of the repair amount. (If you can not get the Insurer or the Adjuster to be fair) It is probably the only solution.

A public Adjuster will assist you in getting the full amount needed to make the repairs and try to make sure the Insurer includes everything that needs to be done.

Your policy has an Appraisal Clause, it is your Right to get your repairs to make your home the way it was before the damage.

Answered 5 years ago by psb002

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