Choosing the right public adjuster is one of the most important decisions a property owner can make after experiencing damage to their home or business. The adjuster you hire will play a critical role in the outcome of your insurance claim — helping you secure the settlement you deserve while protecting your investment.
Here’s what to look for when selecting a public adjuster:
1. Verify Licensing & Credentials
Ensure the public adjuster is licensed to operate in your state. Check their license number, credentials, and reputation to avoid working with unqualified or inexperienced adjusters.
2. Look for Experience with Your Type of Claim
Not all claims are the same. Look for a public adjuster with experience handling claims like yours — whether it’s hurricane damage, roof leaks, water intrusion, fire loss, or commercial property claims.
3. Ask About Their Fee Structure
Most public adjusters work on a contingency fee — meaning they only get paid if you do. Confirm their percentage rate upfront and ask about any additional fees or charges to avoid surprises later.
4. Review Past Client Testimonials
Reputable public adjusters will have reviews, testimonials, or referrals from previous clients. Positive feedback is a strong sign of trust and quality service.
5. Evaluate Their Communication Process
You want an adjuster who provides clear updates, responds quickly, and keeps you informed throughout the process. Ask how they handle client communication and who your point of contact will be.
6. Understand Their Claim Strategy
A good public adjuster should outline their plan for managing your claim — from inspecting damage to negotiating with your insurance company. Ask how they plan to document your loss and maximize your settlement.
7. Ask If They Handle the Entire Process
Some adjusters only handle parts of the claim. Choose an adjuster who manages everything — inspections, paperwork, negotiations, and settlement — so you don’t have to deal with the insurance company directly.
8. Make Sure They Represent Policyholders Only
Avoid adjusters who work for or have ties to insurance companies. Your public adjuster should represent you — the policyholder — and have your best interest in mind.
9. Look for Transparency & Honesty
Trust is everything in the claims process. Choose a public adjuster who is upfront about timelines, potential challenges, and realistic claim outcomes.
10. Choose a Local Expert
Local public adjusters understand your area's risks, weather patterns, and insurance practices. Their knowledge of local claims history can be a huge advantage in maximizing your settlement.
Final Thoughts
Hiring the right public adjuster can make all the difference in the outcome of your insurance claim. At Claim Kings, we provide expert guidance, transparent service, and aggressive representation to ensure you receive the settlement you deserve.
Contact us today for a free consultation and let us handle your claim from start to finish.
