A public adjuster is a licensed professional who represents YOU, the policyholder—not the insurance company. They help document losses, prepare estimates, and negotiate with your insurer to maximize your claim recovery.
When you dispute a claim amount, either party can invoke the appraisal clause. Each side selects an appraiser. If appraisers disagree, a neutral umpire is appointed to resolve the difference, and their decision is final.
A public adjuster manages the entire claim—includes policy review, documentation, negotiation.
An appraiser strictly determines damage values in the dispute phase. They do not negotiate coverage or settlement terms.
Insurance companies employ adjusters to protect their interests. A public adjuster ensures your claim is accurately documented and fairly negotiated—often resulting in significantly higher settlements for policyholders.
Public adjusters typically charge a percentage of the settlement (commonly 10–20%). Appraisal services are often flat-rate or hourly (e.g., $275/hr). These fees are generally only due if there’s a recovery.
Appraisal: When you and the insurer agree on coverage but not on claim value.
Mediation: A pre-litigation step (varies by state, e.g., Florida) when both parties dispute either coverage or settlement amounts.
Choose licensed, bonded, USPAP-compliant professionals with local experience. Membership in reputable associations (like FAPIA, PCAPIA) and solid track records are pluses.
Insurance companies must handle claims within 90 days by law.
Appraisal decisions and umpire resolutions typically complete within 1–2 weeks once both appraisers submit estimates
These services are most beneficial for substantial exterior losses involving roofing, siding, windows, storm damage, and mold/mildew situations—especially when there’s complexity or dispute in coverage or value.