![]() How much it costs to hire a public insurance adjuster A public adjuster’s fee is based on a certain percentage of your settlement’s total value, so some adjusters may be tempted to exaggerate the value of your claim to secure a larger chunk of money for themselves. While most adjusters will be fair and honest, every profession has a few individuals who do not live up to their industry standards, which is why it is important to work with a reputable adjuster that is licensed and can legally provide their services. However, there are some things to look out for when hiring a public adjuster. ![]() Public adjusters also help their clients communicate effectively with their home insurance companies to expedite claim payments. An adjuster will file the necessary paperwork with your insurer, arrange for inspections of your damaged property and haggle with your insurance company if it refuses to pay your full claim. Public claims adjusters minimize the hassle of collecting documents and evidence, while also negotiating with your insurance company. Pros and cons of hiring a public adjuster But you may want to hire an adjuster if your home experiences serious damage, such as earthquake or flood damage from a burst pipe. You probably don’t need to hire an adjuster if your home suffers a small mishap, such as minor smoke damage from a stove-top fire. Adjusters aren’t allowed to handle bodily injury claims, car insurance claims or third-party claims (such as a trust or an estate). In addition, public adjusters must follow state guidelines that outline their job duties and the claims process. They may also help you find new living arrangements if your home is uninhabitable.Īccording to the National Association of Public Insurance Adjusters (NAPIA), most states require public adjusters to be tested and licensed. They will keep track of the countless phone calls with your insurer and attend meetings. What does a public insurance adjuster do?Īn adjuster can arrange for a survey of the damage, estimate its cost and help you file a complex claim. Public adjusters typically charge around 15% of the total value of your claim settlement.Public claims adjusters can minimize the hassle of negotiating with your insurance company.A public adjuster can evaluate serious damage to your home after a disaster. ![]() You should always check that the public adjuster you hire is licensed to provide their services to avoid any scams. To hire a public adjuster, ask friends for trusted referrals or search for a public adjuster in the National Association of Public Insurance Adjusters (NAPIA) directory. Public adjusters work for both individuals and businesses, but most cater to the individual policyholder. However, in cases of home or property damage (except cars), you can turn to public insurance adjusters to decipher your policy and help you get a fair settlement with your insurance company. The details of your home insurance policy are important in case your property ever suffers major damage in a fire, hurricane, earthquake or another disaster. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. All of our content is written and reviewed by industry professionals and insurance experts. At, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. ![]()
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