What is a public adjuster?

A public adjuster handles insurance claims and advocates for the policyholder during the process of appraising and negotiating a claim. A public adjuster’s expertise and ability to interpret ambiguous insurance policies increases the odds that property owners will receive the maximum amount of compensation when they file a claim. Public adjusters prepare cost estimates and interpret insurance policies to determine covered and uncovered items and to negotiate with the carrier to a fair settlement.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

Is it a good idea to hire public adjusters?

Yes, it is always a good idea to hire a public adjuster. Simply because having a public adjuster means having someone work on your insurance claim process fairly and will negotiate for your best interests and not of the insurance company.

Usually, when you file an insurance claim, you will be given an adjuster but that one works for your insurance company. Hence, the adjuster might not work in your best interest leaving you with a low insurance payout. On the contrary, a public adjuster hired by you will work for you and take care of everything else. The public adjuster will review your policy, create a comprehensive review of the damages and how much you are entitled to. The public adjuster will process everything for you and negotiate on your behalf.

It is hassle-free, stress-free, and you are likely to get a higher insurance payout. The best time to hire a public adjuster is before filing a claim or at the very beginning of the process. Because they will do and process everything for you.

Most homeowners get a lower payout than the recommended when their adjuster is from the insurance company, that is why the better route for this is hiring a public adjuster. LMR Public Adjusters have qualified and experienced public adjusters who will negotiate for you and ensure that you will be compensated fairly. To begin the process of your claim, call us today. You can reach us at (954) 603-7174. You can also send us an email at claims@lmrpublicadjusters.com.

LMR Public Adjuster FAQ Videos

What is a Public Adjuster?

Many people aren’t aware of the benefits of a public adjuster. This video will tell you exactly what a public adjuster is and how they can help you.

Why do I need a Public Adjuster?

A lot of people don’t realize what a public adjuster is or why exactly they need one when it comes to home damage from wind, water, smoke, fire, etc.


Charles B.

Very professional, communication was great throughoutthe process, they manage to get my 7 times more than what the insurance offered me. I'm a happy client!!!

Ariel L.

LMR Public Adjusters was very professional and on time. Everything was fast, and I had a fabulous experience.

Oshri A.

They have fast response. I never have any issues. They have great customer service.

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