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.

Drew Miles 1/22/26 Drew Miles 1/22/26

How Much Does It Cost to Fix a Burst Pipe? 2026 Price Guide

Discover comprehensive burst pipe repair costs for Minnesota and Wisconsin homeowners. This detailed guide covers repair pricing from $500 to $15,000+, what insurance covers, hidden costs like water damage and mold, and how to prevent expensive pipe failures. Learn cost factors including pipe location, material type, and damage extent. Expert insights help you understand when repair versus replacement makes sense and how public adjusters maximize insurance claims for water damage restoration.

Drew Miles 1/20/26 Drew Miles 1/20/26

What Happens When Your Car Is Totaled But Still Drivable?

Understanding what happens when your car is totaled but still drivable is crucial for maximizing your insurance settlement. This comprehensive guide explains totaled car value calculations, your three main options (accept payout, keep vehicle with salvage title, or dispute valuation), how much insurance pay for totaled car, and when professional auto appraisal services help negotiate better settlements for total loss vehicle claims.

Drew Miles 1/19/26 Drew Miles 1/19/26

How to Calculate Total Loss Value of a Vehicle in 2026

Discover how to calculate the total loss value of a vehicle in 2026, understand insurance payouts, and learn how public adjusters can help maximize your claim.

Drew Miles 1/9/26 Drew Miles 1/9/26

Help with State Farm Claim in Minnesota: Your Complete Guide to Getting What You Deserve

Struggling with a State Farm insurance claim in Minnesota? Learn how to fight back after a denial or underpayment with help from a licensed public adjuster.

Drew Miles 12/11/25 Drew Miles 12/11/25

Mold Restoration After Water Damage in Neenah, WI: A Complete Guide

Learn expert mold restoration steps after water damage in Neenah, WI. Discover how to prevent mold growth, what to salvage, and when to call professionals.

Drew Miles 11/11/25 Drew Miles 11/11/25

Denied Insurance Claim in Wisconsin? Here's What You Need to Know

If your insurance claim was denied in Wisconsin, don’t give up. This guide explains your rights and how Shoreline Public Adjusters can help you fight back.

Drew Miles 10/28/25 Drew Miles 10/28/25

Denied Roof Claim? What to Do When Your Insurance Company Won’t Replace Your Roof After a Storm

If your insurance company won’t replace your roof after a storm, don’t panic. Learn what to do, how to appeal, and how a public adjuster can help.

Drew Miles 10/27/25 Drew Miles 10/27/25

Hail Damage Claim Denied? Here's How to Get a Fair Payout

Denied hail claim? Discover expert tips to appeal your insurance denial, get a fair payout, and work with a public adjuster in Florida, Minnesota, or Wisconsin.

Drew Miles 8/25/25 Drew Miles 8/25/25

Does Renters Insurance Cover Flooded Basements?

Flooded basement? Find out if renters insurance covers flooded basements and how to protect yourself in Florida, Minnesota & Wisconsin.

Drew Miles 8/14/25 Drew Miles 8/14/25

Is Allstate Identity Protection Worth It? Honest Review & Complete Guide

Explore if Allstate Identity Protection is worth it, how much it costs, and how it compares to other services. Full breakdown inside.

Drew Miles 8/13/25 Drew Miles 8/13/25

Does State Farm Cover Rental Cars? Complete Guide

Find out when State Farm covers rental cars, how reimbursement works, and the exclusions you should know.

Drew Miles 8/12/25 Drew Miles 8/12/25

Can You Negotiate with an Insurance Adjuster for an Auto Total Loss? Yes, Here’s How.

When an insurance adjuster declares your car a total loss, their first settlement offer is just a starting point. That number is negotiable, but you need evidence to win. This guide breaks down the professional 5-step process for auditing the insurer's valuation, building your own case with better data, and successfully negotiating for the fair Actual Cash Value you're truly owed.

Drew Miles 8/11/25 Drew Miles 8/11/25

Can You Cancel Auto Insurance at Any Time? The Rules, Refunds, and Real‑World Impacts

You can cancel auto insurance anytime, but refunds, notice, DMV rules, and lender requirements matter. See the exact state rules and step‑by‑step process.

Drew Miles 8/4/25 Drew Miles 8/4/25

Auto Insurance Claims in 2025: A Guide to Navigating the New Normal

The latest 2025 data shows a surprising drop in auto insurance claims. While that seems like good news, it signals a major shift in how insurers operate—a shift that directly impacts your claim. Insurers are now scrutinizing every repair estimate, part choice, and total loss valuation with unprecedented intensity to boost their profits. This guide dives deep into the data, exposes the cost-cutting tactics you're up against, and clarifies who you need to call to defend your claim.

Drew Miles 8/3/25 Drew Miles 8/3/25

A Pastor's Guide to Wisconsin Church Insurance & Denied Claims

Discover essential insurance coverages for churches in Wisconsin and how Shoreline Public Adjusters can help you with winter, hail, and fire claims.

Drew Miles 8/2/25 Drew Miles 8/2/25

Insurance Claim Underpaid or Denied in Western Wisconsin? A Homeowner's Guide

When your insurance company in Western Wisconsin offers a low settlement, it feels like a betrayal of trust. This guide walks you through the red flags of an unfair payout and shows you how to get the full amount you're owed for storm, fire, or ice dam damage.

Drew Miles 7/30/25 Drew Miles 7/30/25

Your Complete Guide to Mobile Home Insurance in 2025

Protect your investment by understanding your mobile home insurance policy. This guide breaks down coverages, exclusions, and the critical steps to take when filing a claim for damage.

Drew Miles 7/27/25 Drew Miles 7/27/25

Hail Damage Roof Insurance Claim Guide for Minnesota & Wisconsin Homeowners

Get expert help with hail damage roof insurance claims in Minnesota and Wisconsin. Learn how to file, document, and win your claim with a public adjuster.

Drew Miles 7/23/25 Drew Miles 7/23/25

Understanding Geico Claims: What Every Policyholder Needs to Know

Filing a property damage claim with Geico? Learn how long Geico takes, how they pay out total loss claims, and what to do if you're underpaid.

Drew Miles 7/23/25 Drew Miles 7/23/25

How Much Does a New Roof Cost in 2025?

Learn the real 2025 roofing costs, what insurance pays, and how Shoreline Public Adjusters ensures you're fully covered.

Our Blog