Dealing with property damage is stressful enough. Add the pressure of handling an insurance claim, and it’s easy to feel overwhelmed. This is where a public adjuster can truly make a difference. Unlike the adjuster assigned by your insurance company, a public adjuster works solely for you—the policyholder—to ensure your payout is fair and accurate.
At Capital Adjusting Services, we’ve helped thousands of homeowners, business owners, and condo associations maximize their claims and move forward faster. In this guide, you’ll learn how to find the right public adjuster near you and what questions to ask before hiring one.
What Is a Public Adjuster?
A public adjuster is a licensed insurance professional who represents policyholders during property insurance claims. Their role includes assessing the damage, reviewing your policy, estimating repair costs, and negotiating with your insurer, so you don’t have to.
There are three main types of insurance adjusters:
- Company Adjusters: Employees of the insurance company.
- Independent Adjusters: Contractors hired by insurers.
- Public Adjusters: Hired by the policyholder to advocate for their interests.
📊 Did you know? A 2023 study presented to the National Conference of Insurance Legislators (NCOIL) found that policyholders who hired a public adjuster received settlements that were, on average, over 400% higher compared to those who did not. For example, the average claim payout jumped from $5,986.12 to $30,830.92 when a public adjuster was involved.
Why Hire a Public Adjuster?
Hiring a public adjuster offers several advantages:
- Maximize Your Settlement: Skilled negotiators work to ensure you receive a full and fair payout.
- Save Time and Reduce Stress: They manage documentation, communication, and follow-ups with your insurer.
- Understand Your Coverage: Public adjusters interpret complex policies to uncover hidden or overlooked coverage.
Many of our clients come to us after experiencing delays or receiving underwhelming offers. We take over the process and fight to get you what you deserve.
When Should You Hire a Public Adjuster?
Public adjusters are especially helpful in these scenarios:
- Large-scale losses (fire, hurricane, flood, etc.)
- Denied, delayed, or underpaid claims
- Commercial or multi-unit residential property damage
- When you need professional guidance from the beginning
🕐 Pro Tip: Hiring a public adjuster early—ideally before filing your claim—can prevent common missteps and delays.
How to Find a Reputable Public Adjuster Near You
Finding the right adjuster makes all the difference. Follow these steps to choose wisely:
- Verify Licensing: Check your state’s Department of Insurance to confirm active licensing.
- Ask About Experience: Seek out adjusters with relevant claim experience.
- Request References: Reputable adjusters should be able to share client testimonials or case studies.
- Avoid Red Flags:
- High-pressure tactics (especially after a disaster)
- Unclear fees or contract terms
- Promises of guaranteed outcomes
✅ Capital Adjusting Services is fully licensed, bonded, and experienced across every state we serve.
Questions to Ask Before Hiring
Ask these questions to make an informed decision:
- How many years have you been a public adjuster?
- What types of claims do you typically handle?
- Can you explain how you manage the claims process?
- Do you have experience with claims like mine?
- What is your fee structure?
A trustworthy adjuster will answer confidently and explain things in a way that puts you at ease.
Why Choose Capital Adjusting Services?
With decades of combined experience, Capital Adjusting Services has recovered millions of dollars in claim payouts for our clients. We handle both residential and commercial losses, with licensed adjusters located nationwide.
- Nationwide Service: We understand local codes, policies, and claim trends in every state we operate.
- Proven Results: View our case studies and success stories
- Client-First Approach: Our reputation is built on transparency, honesty, and measurable results.
We go beyond just managing claims. We advocate for your peace of mind.
Ready to Get Started?
Whether you’re starting the claims process or feeling stuck, it’s never too late to bring in expert help. Capital Adjusting Services is ready to step in, take over the heavy lifting, and secure the compensation you deserve.
Contact us today for a free, no-obligation consultation with a licensed public adjuster near you.
