A public adjuster is a licensed professional who represents the policyholder, not the insurance company, in preparing and negotiating a claim. They are paid by you, usually as a share of the settlement.
Who does what
| Role | Works for | Job |
|---|---|---|
| Insurance company adjuster | The insurer | Inspects the loss and prepares the insurer’s estimate |
| Public adjuster | You | Documents the loss, prepares your claim and negotiates with the insurer |
| Roofer | You, as a contractor | Inspects, scopes and repairs the roof |
| Attorney | You | Advises on legal rights and disputes |
When a public adjuster may help
- Large or complex losses, such as major storm or fire damage
- Claims denied or underpaid where you have evidence of more damage
- When you do not have time to manage the claim yourself
When you may not need one
- Small, straightforward claims close to your deductible
- Claims the insurer has already paid fairly
Before you hire
- Check the license with your state insurance department
- Get the fee percentage and what it applies to in writing
- Ask how many roof claims they have handled
- Read the contract and your cancellation rights
We explain the claims process. We are not public adjusters and do not negotiate claims. See denied and underpaid claims.
Common questions
How are public adjusters paid?
Usually as a percentage of the claim settlement. Many states set limits on these fees. Get the fee in writing before signing.
Can my roofer act as my public adjuster?
In many states, contractors may not negotiate insurance claims on a homeowner's behalf unless they hold a public adjuster license. Check your state's rules.