What Is a Public Adjuster?


Public Adjuster - Affiliated Adjustment Group - New York, NY

A public adjuster is a professional who negotiates settlements with insurance companies on behalf of their policyholders. The public adjuster must have passed a state licensing exam and completed an internship to be eligible for this type of work.


Public adjusters are often called in when people's homes or properties have been damaged or destroyed during a natural disaster. They may also negotiate claims after fires, floods, hurricanes, earthquakes, and other catastrophes that cause damage to homes and properties.


This blog will address some of the common questions associated with a public adjuster.


What Can a Public Insurance Adjuster Do For You?

You are on the phone with your insurance company. You have just been in an accident and are awaiting a call from them to tell you how much they will pay out for your damages, but they aren't picking up. This is when it can be helpful to know what sort of services a public insurance adjuster can provide.


They can help you with the process of filing your claim, find out what your options are when it comes to getting reimbursed for damages, and they can even make sure that you get the most money possible.


Should You Use a Public Insurance Adjuster?

One of the questions you might have after experiencing a disaster is whether or not to use a public insurance adjuster. It can be challenging to know if this option will work for your needs.


The state pays public Insurance Adjusters they represent to offer assistance with settling claims following disasters. In most cases, these adjusters are employees of either FEMA or their respective state government agency. They're charged with handling all aspects from initial claim filing through closing out any open lines of communication related to settlement amounts and payment arrangements.


What is the Cost of a Public Adjuster?

Public adjusters are a necessary part of the insurance world. Unsurprisingly, there is no set price for this type of service- instead, each case is different and requires a unique cost analysis. Some factors that influence the final price include:

  1. Complexity

  2. Geography

  3. The number of claims made by policyholders against their insurer and whether or not litigation has been filed regarding the claim.

Choosing a Public Adjuster

Hiring a good public adjuster is essential. The first thing you should do is make sure they can legally practice in your state and the best way to do that? Look them up on their license requirements. They must be bonded as well, just like other professionals who provide claim services.


If not, this person might have some explaining when things go wrong at trial because no licensed professional would act without bonding or continuing education courses required by law for renewal every two years.


Public Adjusters In New York

Public adjusters are an excellent option if you don’t have the time, skills, or money to handle your claim. They can help streamline a complicated process and ensure that you get all the benefits you deserve from a disaster. Contact the team at Affiliated Adjustment today for more information.

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