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 5/16/25 Drew Miles 5/16/25

What You Need to Know About Bader Renters Insurance

Bader Renters Insurance covers rental furniture and electronics, but claims often get denied. Here's what to know and how Shoreline can help.

Drew Miles 5/14/25 Drew Miles 5/14/25

Hail Damage Minnesota: Expert Public Adjusters Fighting for Your Full Claim

Minnesota hailstorms can devastate roofs, siding, and HVAC systems. Shoreline Public Adjusters helps homeowners, businesses, and HOAs win fair insurance payouts.

Drew Miles 5/4/25 Drew Miles 5/4/25

Why Hiring a Public Adjuster in Minneapolis, Minnesota Is Your Best Move After Property Damage

Hiring a Public Adjuster in Minneapolis, Minnesota can increase your insurance payout, speed up the process, and reduce stress. Here’s how they help.

Drew Miles 5/3/25 Drew Miles 5/3/25

MyWebInsurance.com Renters Insurance: Everything You Need to Know

Discover everything you need to know about MyWebInsurance.com renters insurance—from coverage to cost and policy tips.

Drew Miles 5/2/25 Drew Miles 5/2/25

eRenterPlan Renters Insurance: What It Is, How to Cancel, and Add Interested Parties

Explore this complete guide to eRenterPlan renters insurance—understand your coverage, how to cancel, and how to add your landlord as an interested party.

Drew Miles 5/1/25 Drew Miles 5/1/25

Hire the Best Public Adjuster in Florida After a Hurricane | Naples, Fort Myers, Miami

Learn how to hire the best public adjuster in Naples, Fort Myers, and Miami after a hurricane. Protect your insurance rights and maximize your payout.

Drew Miles 4/30/25 Drew Miles 4/30/25

Florida Hurricane Season Guide: What Homeowners Need to Know

Hurricane season in Florida runs from June 1 to November 30. Get city-specific tips, claim advice, and how to prepare with a Public Adjuster.

Drew Miles 4/29/25 Drew Miles 4/29/25

Property Damage Lawyer: Your Essential Guide to Legal Help After a Loss

Wondering what kind of lawyer you need for property damage? Learn the difference between a lawyer and public adjuster, and what to do next.

Drew Miles 4/28/25 Drew Miles 4/28/25

Roof Hail Damage: What It Looks Like & When to Replace Your Roof

Discover what hail damage looks like, how much hail damage warrants a full roof replacement, and why you should call a public adjuster first.

Drew Miles 4/27/25 Drew Miles 4/27/25

What to Do After a Kansas Tornado: Insurance, Damage & Public Adjusters

This complete Kansas tornado recovery guide walks homeowners through insurance claims, damage documentation, FEMA help, and public adjuster support.

Drew Miles 4/26/25 Drew Miles 4/26/25

How to Handle Industrial Building Hail Damage Insurance Claims

Hail damage to industrial buildings is serious. Learn how to file a claim, avoid low settlements, and get expert adjuster support from Shoreline.

Drew Miles 4/24/25 Drew Miles 4/24/25

Why Is My Air Conditioner Not Blowing Cold Air?

If your AC is running but not cooling, don’t sweat it. Learn the top causes, quick fixes, and when to call a pro for help.

Drew Miles 4/20/25 Drew Miles 4/20/25

Guide to Handling Insurance Claims After a Hurricane

Dealing with the aftermath of a hurricane can be overwhelming, especially when it comes to handling insurance claims. Navigating the complex process of filing a claim, documenting damages, and negotiating with your insurance company requires careful planning and understanding. In this comprehensive guide, we will walk you through the essential steps to take after a hurricane to ensure your insurance claim is successful.

Whether you're a homeowner dealing with storm damage or someone seeking advice on how to file an insurance claim after a hurricane, this guide is designed to help. We’ll cover essential hurricane insurance claim tips for homeowners, the best practices for dealing with insurance companies after storm damage, and a step-by-step approach to maximize your claim's success.

Drew Miles 4/19/25 Drew Miles 4/19/25

Understanding Public Adjusters and Their Role

Learn how public adjusters assist homeowners in navigating claims and securing higher settlements.

Drew Miles 4/18/25 Drew Miles 4/18/25

How to Request Your Insurance Policy from State Farm

Discover step-by-step instructions to request your State Farm insurance policy. Get your documents online, via the app, or through customer service.

Drew Miles 4/17/25 Drew Miles 4/17/25

How Much Hail Damage to Replace Roof

Wondering how much hail damage justifies a roof replacement? Discover the criteria and how public adjusters can help.

Drew Miles 4/16/25 Drew Miles 4/16/25

Do Copper Roof Strips Prevent Shingle Damage?

Learn how copper roof strips can protect your shingles from damage by reducing algae and moss growth.

Drew Miles 4/15/25 Drew Miles 4/15/25

Cyber Insurance Claims: Protecting Your Business After a Cyberattack

Discover the steps to file a cyber insurance claim, common mistakes to avoid, and how to document incidents properly. Protect your business today.

Drew Miles 4/14/25 Drew Miles 4/14/25

How Do Public Adjusters Get Paid? A Clear Guide for Property Owners

Discover how public adjusters get paid and why their contingency fee model often pays for itself. No upfront costs. Get the facts.

Drew Miles 4/13/25 Drew Miles 4/13/25

Why You Need a Naples Florida Public Adjuster After a Property Loss

A Naples Florida public adjuster helps policyholders get fair insurance settlements. Learn the benefits!