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 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 7/20/25 Drew Miles 7/20/25

How to Calculate Diminished Value After an Auto Insurance Claim

Discover the real value loss your vehicle suffers after an accident. Learn how to calculate diminished value and maximize your insurance claim in Florida, Minnesota, or Wisconsin.

Drew Miles 7/13/25 Drew Miles 7/13/25

Confused or Delayed by MyWebInsurance.com Auto Insurance Claims?

Frustrated with MyWebInsurance.com auto insurance claims? Discover common issues, how to dispute low offers, and get your claim moving.

Drew Miles 7/12/25 Drew Miles 7/12/25

Can I Insure a Car Not In My Name? Your Complete Guide

Want to insure a car not in your name? Discover how non-owner policies, liability coverage, and named driver options work in Florida, Minnesota, and Wisconsin.

Our Blog

Does State Farm Cover Rental Cars? Complete Guide

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

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

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

How to Calculate Diminished Value After an Auto Insurance Claim

Confused or Delayed by MyWebInsurance.com Auto Insurance Claims?

Can I Insure a Car Not In My Name? Your Complete Guide