What Makes a Good Public Adjusting Firm?

A public adjusting firm specializes in helping homeowners navigate insurance claims after property damage. Unlike insurance company adjusters, public adjusters work exclusively for you — the policyholder — to ensure you get the maximum settlement you’re entitled to.

Choosing the right public adjusting firm can make a huge difference in the outcome of your claim. Here are some essential factors to consider when deciding which firm is right for you:

1. Consider Your Budget

Public adjusters typically charge based on a percentage of the claim settlement or an hourly rate. It’s important to understand their fee structure upfront and ensure it fits your budget. Some firms may also charge extra for work done outside regular business hours, like weekends or evenings. Be clear about these details before signing any agreement to avoid surprises later.

2. Look for Experience and Specialization

Experience matters—especially with complex insurance claims. An experienced public adjuster will have in-depth knowledge of insurance policies, claims processes, and negotiation tactics. However, it’s equally important to choose a firm that specializes in the type of damage you’ve experienced. For example, a firm well-versed in flood damage claims will better serve you if your property suffered water damage.

3. Research the Firm’s Reputation

Before hiring any public adjusting firm, do your homework:

• Check licensing: In many states, public adjusters must be licensed. Licensing ensures the firm meets professional standards and complies with state regulations.

• Read reviews and ratings: Look at online reviews and the Better Business Bureau (BBB) profile. A strong track record with positive reviews and an A+ BBB rating indicates a trustworthy firm.

• Ask for references: Speak with past clients if possible to learn about their experiences.

4. Understand Their Process and Communication

A good public adjusting firm will be transparent about their process, keep you informed, and promptly answer your questions. Since insurance claims can be stressful and time-sensitive, clear communication and responsiveness are essential qualities.

Making an Informed Decision

Selecting a public adjusting firm is an important decision that can affect the outcome of your insurance claim. Take the time to research, compare, and ask questions. The right firm will not only help you get a fair settlement but also provide peace of mind during a difficult time.