When your home is damaged and you file an insurance claim, the insurance company assigns an adjuster to evaluate it. That person is paid by the insurer and works to protect the insurer's interests. A public adjuster is the opposite: a state-licensed professional who works for you, the policyholder.
What a public adjuster does for you
A public adjuster manages your property insurance claim from start to finish so you don't have to navigate it alone. That includes:
- Inspecting and assessing the full extent of your property damage
- Reading and interpreting your insurance policy
- Documenting the loss thoroughly with photos, measurements, and reports
- Preparing and presenting the claim to your insurer
- Communicating and negotiating with the insurance company on your behalf
- Keeping you informed and reducing the stress of the process
Public adjuster vs. insurance adjuster vs. independent adjuster
It helps to know who's who. The company (staff) adjuster works directly for the insurer. The independent adjuster is hired by the insurer on contract. Only the public adjuster works for you, the homeowner. We represent your interests — not the insurance company's.
What does a public adjuster cost?
Reputable public adjusters in Arizona typically work on a percentage of the claim, which means we're only paid if you are. The inspection is free, and we'll explain all terms clearly and in writing before you agree to anything.
Bottom line: a public adjuster levels the playing field. You have a right to representation in the claims process — and to a claim that accurately reflects your loss.