What Is A Public Adjuster?

We Work For You, Not The Insurance Company.

A natural or man-made disaster suddenly strikes your business, interrupting your operations indefinitely. How quickly can you recover and keep your customers? And will your insurance policy help handle it? As you focus on protecting your business, do you also have the time to become fluent in your policy and prepare a thorough claim to get you everything you’re entitled to from your carrier? After all, to the insurance company, it’s now your responsibility, not theirs, to prove your loss. They will want to limit their financial exposure in this situation.

That’s where we come in.

A public adjuster is an insurance professional who works only for you, the policyholder, not the insurance company. We have the special training and expertise to interpret the intricacies of your policy, evaluate and document the full scope of your damage, and negotiate a claim to maximize and expedite your financial recovery.

What is a Public Adjuster?
We are your trusted advocates in every step of the insurance claim process, there to prepare and negotiate your claim to get you the optimum amount for recovery.

Why You Need A Public Adjuster

To your insurance company, your recovery is your responsibility, not theirs. When you notify them, they will send an adjuster to protect their financial exposure from your claim. How then can you be sure you will receive every benefit from your policy and a fair amount from your claim?

You’re hit with a disaster and your business is threatened. It’s time for your insurance company to step in. You have paid your premiums and you expect that you will be given what you are owed from your insurance policy. But to your carrier, it is your responsibility to prove your loss. How then can you be sure your damage and loss is fully documented, proven, and defended to maximize your financial recovery? Who’s looking out for you?

By hiring Adjusters International as your public adjuster, you are gaining a highly experienced team of insurance professionals looking out only for you and the survival of your business. Instead of reacting to your current situation, we take control of it, approaching it from a point of experience and advocacy. We are fluent in your insurance coverage and we will work closely with you in developing a claim strategy to efficiently manage your claim and expedite the process to get you the funds you need to recover. It’s what makes us unmatched in post-disaster financial recovery.

Our Public Adjusters Handle the Entire Claims Process
  • We fully review your insurance coverage.
  • We develop a claim strategy.
  • We determine policy compliance issues.
  • We complete detailed valuations of building, equipment, & inventory losses.
  • We formulate business interruption claims.
  • We negotiate on your behalf with your insurance company.
  • We keep you informed every step of the way.
Public Adjusters vs Insurance Adjusters
Exclusively Represent You (the policyholder).
Bottom Line
They legally represent only the rights of an insurance carrier.
Represent the policyholder to the insurance company to ensure that the claim is handled fairly, quickly, and with maximum financial restitution.
Services
Paid by insurance companies to negotiate and adjust the claim on their behalf.
Fee or commission based on a percentage of the settlement, or other method of compensation.
Fee
Paid by the insurance company they work for.
Licensed, bonded, and tested by the state to represent your interest only.
Qualifications
They are not licensed or tested by the state.

Our Public Adjusting Service Fees
 Isn’t It Worth A Little Bit To Get A Lot More?

Of all the parties involved in your disaster recovery — your carrier, its adjusters, and their recommended vendors — our public adjusters are the only people whose interest aligns solely with that of our client, the policyholder. We benefit only if our clients benefit in a successful claim recovery. We work proactively in that principle to assure you receive the optimum amount you deserve.
Your Claim
Your AI Public Adjuster
Your Claim Settlement
Service fees for public adjusters vary by state, but usually represent a small percentage of the settled claim.

What To Ask Before Hiring A Public Adjuster

Public adjusters may contact you after you experience property damage to your business. It’s important to take your time and ask the right questions to determine if these adjusters are established and trustworthy professionals experienced in handling your type of claim, including business interruption claims. A rushed and uninformed selection may cost you immeasurably in your business’s recovery.
  • Q
    Is the company registered with the National Association of Public Insurance Adjusters?
    A

    NAPIA sets the professional standards for the industry and its members agree to abide by a strict code of conduct. Visit www.napia.com.

  • Q
    Do they have experience adjusting your type of claim?
    A
    Visit their website and look through their materials to see if they offer the services you are seeking.
  • Q
    Can the company provide you with industry references?
    A
    Any legitimate firm should be able to provide references and recommendation letters from a wide variety of clients. We suggest that you make a few phone calls to the references provided. Additional references are available upon request, and on our website.
  • Q
    Do they have a CPA on staff to handle business interruption claims?
    A
    This shows the depth of their staffing expertise. A CPA is an important member of the adjusting team, which is especially critical if you have a business interruption claim.
  • Q
    Do they have errors and omissions insurance?
    A
    Professional adjusters carry this insurance, which protects you in the event that the public adjuster makes an error that negatively impacts your claim.
  • Q
    How long have they been in business?
    A
    Adjusters International was founded by the best regional firms in the nation, several of which have been in business for nearly a century.
  • Q
    Is the company licensed in your state?
    A
    Check with your state insurance department, the agency responsible for licensing public adjusters in most states.
  • Q
    How extensive is their network of resources?
    A
    With over forty offices across the U.S. and Canada, Adjusters International has an unmatched network of expert resources to efficiently mobilize and be at your side right away when it matters most. We've managed and negotiated thousands of claims for nearly every type of natural and man-made disaster.