What Is A Public Adjuster?

What is a public adjuster?

A Public Adjuster is the resource no insurance company will tell you about. Our public adjusters are licensed insurance professionals that work exclusively for the public to represent policyholders when they’ve experienced damages or a loss.

Public Adjusters are highly regulated by the state in which they practice, who make sure that the public adjuster is operating according to state standards and statutes.  

In the state of Florida, Public Adjusters must go through a lengthy process in order to receive their licensing and credentials. 

All Public Adjusters must go through and complete a rigorous insurance course and pass a state administered exam.

All Public Adjusters must comply with fingerprinting and background checks, be bonded for $50,000, and then apprentice under another licensed Public Adjuster for one year.

What's The Difference Between The Insurance Company's Adjuster and a Public Adjuster?


There are a few key differences between the insurance company’s adjuster and a Public Adjuster. Insurance companies have their own adjusters that they send out to assess the legitimacy of an insurance claim, they are called staff adjusters or independent adjusters.

The first and most obvious difference is that they work for the insurance company rather than the policyholder or homeowner. Public Adjusters work exclusively for the public and are paid by the public, not the insurance company.  

Public Adjusters are different in that it is a more extensive process to become a state licensed Public Adjuster than a standard staff adjuster or independent adjuster. One major difference is the apprenticeship. Staff and independent adjusters are not required to apprentice for any set amount of time as a trainee. The motive is different, the program is different, the testing is different, and of course the state license and regulation is different.  

A staff or independent adjuster can become a Public Adjuster, but they have to concede to all of the requirements and relinquish their current license as a staff or independent adjuster.  

A staff or independent adjuster cannot represent both the insurance company and the policyholder because that would be a major conflict of interest.

Staff and independent adjusters can often be one-sided, biased, and nit-picky, scrutinizing the damages to avoid awarding proper payment, or denying legitimate claims all together. The insurance company they work for keeps record of how much they’re paying out, and if it reaches a certain number, their job could be in jeopardy. They are essentially pressured to keep their claim payouts as low as possible to save the insurance company’s money.  

Public Adjusters are there to tip the balance scale back the other way, to look out for the interest of the policyholder. No longer are you left at the mercy of a job-scared biased party. 

A Public Adjuster can be hired by you, the policyholder, to assess the claim, negotiate* with the insurance company, and sometimes go to court as an expert witness to resolve your claim and get you the compensation you deserve for restoration of damages.

How Do I Pick The Right Public Adjuster?


When looking for Public Adjuster in your area, it is important that whomever you choose is indeed carrying a license and bond from the state your loss occurred in. You can find out if your public adjuster is licensed and bonded by calling your state department of insurance, or by visiting your state’s website for licensee searches
FL | LA | TN | IN | KY

References and Reviews

You want someone that has experience and extensive knowledge! Always check online reviews and ask people in your neighborhood or town. Public Adjusters are like any other profession, there are certain ones out there that you’re better off avoiding.


Public Adjusters are professionals; your public adjuster should speak, act, and dress professionally. This person is representing you and your home. Your public adjuster should be there for you for the duration of the claim process to answer any and all of your questions and concerns.


To obtain the services of a Public Adjuster, cost should range from 8% to 20% of your total claim. Anything higher or lower than those amounts may be a concern as to whether or not you’ve hired the right Public Adjuster. The contract you’ve signed should have a disclaimer explaining how long you have to terminate the contract, if you find you need to cancel.

Look no further!

Day Adjusting & Consulting, as you will surely find has everything on the list of finding “the right Public Adjuster”.  But to be fair, you should do some research for yourself. The internet is the best source for finding a Public Adjuster that represents clients in your area.  As you begin researching, you’ll find that most Public Adjusting firms are located in large cities, and have a multitude of clients. There should be adequate time for focused attention on each client.

Day Adjusting & Consulting has a branch out policy in place that enables our Public Adjusters to focus on a minimal amount of clients at one time, by limiting the number and hiring more qualified adjusters or office staff when numbers exceed the set amount.

Our pay comes directly from the money the insurance company awards, so there’s no out of pocket expense.