When your home or business suffers property damage, you receive a call from your insurance company. The adjuster they send represents the carrier, not you. Their job is to minimize payout within policy limits. A public adjuster is a licensed professional who works exclusively for policyholders to document damage, interpret policy language, and negotiate the maximum settlement you are entitled to receive.
Public Adjuster vs. Insurance Company Adjuster
The Numbers Don't Lie
What Does a Public Adjuster Actually Do?
Why Xactimate Matters
How Do Public Adjusters Get Paid?
Fee Regulations Vary by State
When Should You Hire a Public Adjuster?
Consultation Is Free and Risk-Free
The Bottom Line
Key Takeaways
A public adjuster works exclusively for you, not the insurance carrier.
Policyholders who hire public adjusters recover 2–4x more on average.
Fees are contingency-based — you only pay if we recover money.
Hire one for denied, underpaid, or complex claims.
Consultations are free and carry no obligation.
Drew — Licensed Public Adjuster
Reviewed: October 25, 2026Licensed in Florida and Texas, Drew has helped over 1,500 homeowners recover denied and underpaid insurance claims.