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A Public Adjuster (or Public Insurance Adjuster) is an expert in loss assessment and the recovery process who is employed by the policyholder. The Public Adjuster assists you, the insured, in preparing, filing, and managing your insurance claim. They work on your behalf — not the insurance company’s.
Yes. Public Adjusters are licensed in many states. AnchorPoint Public Adjusters, LLC holds licenses in several states throughout the Southeast.
Public Adjusters are typically paid a small percentage of your claim’s settlement amount. In most cases, there are no upfront, out-of-pocket costs for you. The adjuster’s fee is usually more than covered by the additional funds recovered through a properly handled claim.
A Public Adjuster is employed by you and works in your best interest. The insurance company’s adjuster is employed by — and accountable to — the insurance company. Their job is to protect the insurer’s interests, not yours.
Most likely, no. The insurer’s adjuster represents the insurance company, not you. Their estimates often omit key items and may not reflect true market costs in your area. A Public Adjuster ensures your claim is complete, detailed, and fairly valued.
Your insurance agent is trained to determine coverage needs — not to negotiate claims. In most cases, an agent’s hands are tied because their employer is the insurance company.
No. Most insurance policies include your right to an appraisal and, if necessary, legal action. Never sign a waiver or release from the insurance company without consulting an attorney first.
There are several reasons to consider hiring a Public Adjuster:
If delays exist, they’re likely already present. In fact, a Public Adjuster often helps expedite your claim by managing communication and documentation efficiently.
A professional Public Adjuster handles discussions respectfully and with integrity. If an insurer discourages you from hiring a Public Adjuster, that’s a red flag — they may not have your best interests in mind. You can always contact your state’s Department of Insurance for assistance.
If your claim becomes a legal dispute, you should hire a lawyer. However, most insurance policies require that all claim provisions be fulfilled before litigation — and that process often needs a Public Adjuster’s expertise.
Attorneys typically rely on Public Adjusters to assess damage and determine the scope of loss. Both professionals play distinct but complementary roles in resolving insurance claims.
No. A Public Adjuster works exclusively for you, the policyholder. Selling insurance or acting as an agent would create a conflict of interest.
No. A Public Adjuster cannot act as a contractor on any claim they manage — and vice versa. Many states impose severe penalties for individuals attempting to do both. Be cautious of any contractor who offers to “negotiate” your claim; doing so could jeopardize its legitimacy.
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