Choosing the right public adjuster is crucial for ensuring you get the best possible outcome for your insurance claim. A skilled public adjuster can help you navigate complex insurance policies, document your damage properly, and negotiate a fair settlement with your insurance company. Before hiring, asking the right questions will help you determine if the adjuster is the right fit for your needs.
1. What Types of Claims Do You Specialize In?
Public adjusters often specialize in claims like roof damage, water damage, fire & smoke, hurricane, or commercial property claims. Make sure they have expertise handling the specific type of claim you’re dealing with.
2. How Much Experience Do You Have with Insurance Claims Like Mine?
Experience matters. Ask how long they’ve been in business, how many claims they’ve handled, and their success rate with similar property damage situations.
3. What Will Be Your Strategy for My Claim?
A good public adjuster should explain their plan for handling your claim — from inspecting the damage to negotiating with the insurance company. Ask how they intend to maximize your settlement.
4. Who Will Personally Handle My Claim?
Some firms delegate work to multiple adjusters or assistants. Make sure you know who your direct point of contact will be throughout the process.
5.What Are Your Fees?
Most public adjusters work on a contingency basis — meaning they only get paid if you get paid. Ask for a clear breakdown of their percentage fee and if there are any additional costs.
6. How Will You Communicate with Me?
Insurance claims can take time. Ask how often they’ll provide updates, whether it’s via phone, email, or in-person meetings, and how responsive they are to client inquiries.
7. Do You Have Client Reviews or References?
Ask for testimonials or referrals from previous clients. Positive reviews can give you confidence in their reputation and professionalism.
8. What Are the Possible Outcomes of My Claim?
An experienced public adjuster should outline realistic expectations — including best-case scenarios, challenges, and possible delays based on the complexity of your claim.
9. How Do You Handle Disputes with Insurance Companies?
If the insurance company underpays or denies your claim, ask how the adjuster handles negotiations, re-inspections, or disputes. A strong negotiator is key to getting what you deserve.
10. What Sets Your Public Adjusting Firm Apart?
This is your chance to learn what makes them different — whether it’s faster claims processing, larger settlements, specialized expertise, or dedicated customer service.
Final Thoughts
Hiring the right public adjuster can mean the difference between a lowball offer and a fair settlement that truly covers your losses. Take the time to ask these important questions and choose a firm that puts your needs first.
