What is a Public Adjuster?

A Public Adjuster is someone who helps you with your insurance claim after something like a fire, storm, or water damage happens. They work for you—not the insurance company—to make sure you get the money you deserve to fix the damage.

What’s the difference between a Public Adjuster, Company Adjuster, and Independent Adjuster?

A Public Adjuster works for you and helps you with your claim. A Company Adjuster works for your insurance company and looks out for their interests. An Independent Adjuster is hired by the insurance company but isn’t one of their employees. They still work for the insurance company, not for you.

What should I give my Public Adjuster to help with my claim?

To make things go smoothly, give your Public Adjuster: a full copy of your insurance policy (or at least the Declarations Page), receipts or bills for any repairs you’ve done, and photos or videos showing the damage.

How can a Public Adjuster help me?

Insurance claims can be confusing. A Public Adjuster knows what to do—from filling out paperwork and meeting deadlines to talking with your insurance company. They take care of everything so you don’t have to stress. Most of the time, they also help you get more money than you would on your own.

How much does it cost to hire a Public Adjuster?

Most Public Adjusters don’t charge upfront. Instead, they get paid a percentage of the money they recover for you. For example, in Florida, the fee is usually up to 20%, but only 10% if it’s after a big storm. In Texas, the fee is usually 10%. This setup makes sure they work hard to get you the most money, as quickly as possible.

What’s the difference between hiring a Public Adjuster and an Attorney?

Public Adjusters help right from the start: documenting the damage, making estimates, and talking with your insurance company. If they can’t get the job done, then you might need to hire an Attorney. Public Adjusters usually finish claims in 1 to 4 months. If you bring in an Attorney, it could take a year or longer.

Can a roofer or contractor help me the same way a Public Adjuster can?

No. Roofers and contractors can help fix your home and give estimates, but they can’t talk to your insurance company about your coverage or argue for more money. Only Public Adjusters and Attorneys are allowed to do that. A Public Adjuster can handle your whole claim, start to finish.

How long does a claim take with a Public Adjuster?

Most claims handled by a Public Adjuster are finished in 1 to 4 months. Insurance companies have up to 90 days to look into the claim. The Public Adjuster keeps things moving and pushes to get it done fast. If it takes longer, you might need an Attorney to step in.

What’s the difference between doing a claim myself and hiring a Public Adjuster?

You can do the claim on your own, but it’s hard if you don’t know all the rules and steps. Public Adjusters are trained pros who know how to get the most money. People who hire them often get 50% to 500% more than those who go it alone.

Where do I find my policy or claim number?

You can find it on the Declarations Page, which is usually the first page of your insurance policy. It also has your coverage details, deductible, and contact info for your insurance agent. If you don’t have it, call your Insurance Agent or Company to get a copy.

Wisconsin Licensed Public Adjuster Serving Menomonie & Dunn County

Maximize Your Insurance Claim in Menomonie

REPRESENTATION & DEFENSE FOR HOMEOWNERS AND BUSINESSES

Don’t Let a "Nice" Local Adjuster Settle for Less. Hire the Team That Fights the Toughest Claims in the Nation.

Licensed in Wisconsin (#21156868). Servicing Menomonie for serious residential and commercial losses.

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The Best of Both Worlds: Local Presence, National Strength

Most public adjusters in Western Wisconsin fall into two categories: the "small local guy" who lacks resources, or the "storm chaser" who leaves town next week.

Shoreline Public Adjusters is different. We have team members living right here in Wisconsin who can meet you at your property in Menomonie, Colfax, or Elk Mound. But unlike a solo local adjuster, our field team is backed by our team headquartered in Florida—the epicenter of the world's toughest insurance battles.

What this means for you:

Local Speed: We don't need to book a flight to see your damage. We are already here.
National Resources: While our local team inspects your property, our dedicated team supports the endless paperwork, legal strategy, and carrier negotiations.
Better Results: You get the personal care of a neighbor with the aggressive legal muscle of a national firm.

Common Property Risks in Menomonie (That We Know How to Fight)

We know that Wisconsin damage looks different than other states. Our team is specifically trained to identify the subtle signs of loss common to the Chippewa Valley region:

Ice Damming & Weight of Ice/Snow: In Menomonie winters, heavy snow loads on older roofs (especially near the historic Downtown district) often lead to hidden structural fatigue and interior water leaks. We know how to distinguish "wear and tear" from valid storm damage.
Frozen Pipe Bursts: When temps hit -20°F, pipes burst. Carriers often claim you "didn't maintain heat." We know how to use forensic weather data to prove the loss was sudden and accidental.
Hail Impact (Granular Loss): Recent storms in Dunn County have caused "bruising" on asphalt shingles that inspectors often miss. We use the same thermal imaging tech used in hurricane zones to find moisture trapped under "undamaged" shingles.

Recent Win: Overturning a Denial in Western Wisconsin

The Challenge: A homeowner in the area suffered severe water damage after a pipe burst during a -15° cold snap. The insurance carrier denied the claim, arguing the home wasn't "properly heated."

Our Local Advantage: Because our team was local, we were on-site immediately. We gathered forensic weather data and utility records to prove the heating system was active and the pipe failure was sudden and accidental—not negligence.

The Result:

Original Offer: $0 (Denied)
Final Settlement: $85,000+ (Covered full mitigation and remodel)

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We are extremely proud to serve the following states:

Minnesota | Wisconsin | Florida

Shoreline Public Adjusters, LLC is licensed in the states of Minnesota, Wisconsin, and Florida. Contact us today to get started!

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Frequently Asked Questions

Q: Are you a "Storm Chaser" company?
A: No. Storm chasers come into town after a disaster and leave once the work dries up. We have team members who live in Wisconsin year-round. We are here before the storm, and we will be here long after your claim is settled.

Q: Why is your HQ in Florida if you have WI staff?
A: Florida is the hardest place in the US to get insurance claims paid. By keeping our headquarters there, we stay sharp on the most advanced strategies for fighting insurance companies. We bring those "big league" tactics to Wisconsin to help our local clients win.

Q: Do I pay you upfront for public adjusting services?
A: No. We work on a contingency basis. We only get paid a percentage of the final settlement we secure for you.

Higher Claim Settlements: Policyholders who use a public adjuster for their insurance claims receive, on average, 747% higher settlements compared to those who don't.

Florida Association of Public Insurance Adjusters (FAPIA)

Increased Claim Payouts: Public adjusters help policyholders recover 574% more on claims related to hurricane damage than when the insurance company adjuster is used alone.

Office of Program Policy Analysis and Government Accountability (OPPAGA) Report, Florida

Claim Approval Likelihood: Public adjusters significantly increase the likelihood of claim approval, particularly in complex cases such as fire, water damage, and storm claims.

National Association of Public Insurance Adjusters (NAPIA)

Time Efficiency: Public adjusters help expedite the claim process, reducing the time from filing to settlement by 30% on average.

Insurance Information Institute (III)