Public Insurance Adjuster
Property Claims Consultant is a licensed public insurance‑adjusting firm dedicated to turning complex property losses into fair, timely settlements. We work exclusively for policyholders—never insurers—using expert inspection, detailed valuation, and strategic negotiation to secure every dollar you’re owed. From the first emergency call to the final payment, our team handles the paperwork, deadlines, and carrier discussions so you can focus on getting life and business back to normal.
FAQs
What exactly is a public adjuster?
A public adjuster (PA) is a state‑licensed claims professional who works only for the policy‑holder—not the insurer—to measure damages, assemble proof‑of‑loss and negotiate the settlement of a first‑party property claim.
What’s the difference between a public, company, and independent adjuster?
• Public: Hired by and advocates for the policyholder.
• Company (staff) adjuster: Employee of the insurer; owes loyalty to the insurer.
• Independent adjuster: Contractor hired by the insurer or occasionally by self‑insureds; still represents insurer interests.
Does hiring a public adjuster slow down or speed up a claim?
When practiced ethically, representation typically speeds resolution by presenting a fully documented claim and relieving insurer adjusters of measurement tasks. However, if an adjuster overstates damages or misses deadlines, it can delay payment.
What does a public adjuster do?
Inspects the loss site, documents damage, prices repairs, reads the policy for hidden coverage, files all forms, and negotiates with the insurer’s adjuster so you don’t have to.
How does a public adjuster get paid?
By contingency fee—typically 5‑20 % of your settlement (capped at 10 % after declared disasters in many states).
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