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  • Writer's pictureBrenda Heffner

Educating Yourself: Important Questions to Ask a Public Adjuster Before Hiring


When disaster strikes, dealing with the aftermath can be an overwhelming and confusing experience. Whether it's property damage from a natural disaster, a fire, or any other unexpected event, navigating the insurance claim process can be challenging. This is where a public adjuster comes into play - a licensed professional who can advocate for your interests during the claims process.

Hiring a reputable public adjuster can make a significant difference in ensuring you receive fair compensation for your losses. However, not all public adjusters are equal, and choosing the right one can be crucial to the outcome of your claim. To ensure you make an informed decision, here are some important questions to ask a public adjuster before hiring their services.


1. Are you licensed and bonded?

The first and most crucial question to ask any public adjuster is about their license and bonding status. A reputable and legitimate public adjuster should be licensed by the state in which they operate. Licensing requirements ensure that the adjuster meets the necessary qualifications and complies with the laws and regulations governing the industry. Additionally, asking about bonding is vital to protect yourself from any potential financial liabilities arising from the adjuster's actions.

2. What experience do you have with similar claims?

Experience is a critical factor when hiring a public adjuster. Inquire about their expertise and specific experience in handling claims similar to yours. An adjuster familiar with your type of loss is more likely to navigate the complexities of your claim efficiently and effectively. Ask for references or testimonials from past clients to gauge their success rate and level of satisfaction.

3. How do you charge for your services?

Understanding the fee structure is essential to avoid any surprises later on. Public adjusters typically charge a percentage of the settlement amount they secure for you. The percentage may vary based on the complexity of the claim, the size of the loss, and state regulations. Clarify all fees, including any additional expenses that might arise during the process, to determine if it aligns with your budget and expectations.

4. Can you explain the claims process in detail?

A competent public adjuster should be able to walk you through the entire claims process step-by-step. They should explain how they will handle documentation, evidence gathering, and negotiations with the insurance company. This will give you a clear understanding of what to expect and how involved you'll need to be throughout the process.

5. How do you handle communication with the insurance company?

Communication with the insurance company is a crucial aspect of the claims process. Inquire about how the public adjuster plans to engage with the insurer and whether they have experience negotiating with the specific insurance company you are dealing with. An assertive and knowledgeable adjuster can significantly improve the likelihood of a successful outcome.

6. Will you be personally handling my claim?

Some larger public adjusting firms may assign your claim to different adjusters within their organization. It's essential to know who will be handling your case and to have direct access to the person responsible for your claim. This ensures better communication and avoids misunderstandings.

7. Can you provide a timeline for the claims process?

While the timeline for resolving a claim can vary depending on its complexity, a skilled public adjuster should be able to provide a rough estimate of how long the process may take. Having a timeline will help you plan your expectations and assess whether the adjuster is progressing efficiently.

8. How do you determine the value of the claim?

Understanding how the public adjuster will assess the value of your claim is crucial. A competent adjuster will conduct a thorough evaluation of the damages, taking into account all the relevant factors, such as repair costs, replacement value, and any additional expenses. Their approach should be transparent and based on sound methodologies.

9. Can you handle the entire scope of the claim, including hidden damages?

Often, damages resulting from disasters may not be immediately apparent. Water damage, for example, can lead to mold growth, which may not be visible initially. A skilled public adjuster should be able to identify and include such hidden damages in the claim to ensure you receive adequate compensation.

10. How do you stay updated on industry trends and changes in regulations?

Insurance laws and regulations can change over time, and staying current with industry trends is essential for a public adjuster. Inquire about their commitment to ongoing education and professional development, as this indicates their dedication to providing top-notch service.



Navigating the insurance claim process can be a daunting task, but hiring a reputable and experienced public adjuster can make all the difference. Before making a decision, ask the questions outlined above to ensure that the adjuster you choose is qualified, trustworthy, and capable of advocating for your best interests. Remember, a competent public adjuster is your ally in securing a fair and just settlement for your losses, allowing you to focus on rebuilding and recovering from the unexpected disaster.


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