A public adjuster is a state-licensed insurance professional who represents property owners during the insurance claim process. Unlike insurance company adjusters, public adjusters are legally obligated to act in the best interest of the policyholder, not the carrier.
When you file a claim, the insurance company sends its own adjuster to inspect the damage and evaluate coverage. While many policyholders assume this adjuster represents them, the reality is that insurance adjusters work for the insurance company. Their role is to limit claim exposure, not maximize recovery for the property owner.
Public adjusters exist to protect policyholders by ensuring claims are documented accurately, valued properly, and negotiated fairly under the terms of the insurance policy.
What Does a Public Adjuster Do?
As licensed public adjusters, we manage every stage of the insurance claim process to help ensure it is resolved fairly, thoroughly, and efficiently.
Our role includes:
- Performing a detailed inspection of the property to identify all covered damage, including issues commonly overlooked
- Gathering documentation, estimates, reports, and evidence needed to support the claim
- Preparing and submitting all claim paperwork accurately and on time
- Interpreting policy language and applicable laws to support the claim
- Communicating and negotiating directly with the insurance company on your behalf
- Working to secure the maximum settlement allowed under the policy
By handling the claim from start to finish, we allow property owners to focus on their home, business, and daily responsibilities while we manage the complexities of the insurance process.
What Types of Claims Can a Public Adjuster Handle?
Public adjusters assist with a wide range of property damage claims. These may include damage caused by storms, water, fire, vandalism, accidents, structural failures, or other covered losses.
If the damage is covered under your policy, a public adjuster can help evaluate the loss and guide the claim through the proper channels to resolution.
Do I Need a Public Adjuster?
Yes. Whether you’re a homeowner or a business owner, the fact is that filing a claim and seeing the process through to the end can be tedious, exhausting and frustrating. There are not enough hours in the day to handle the stress of handling an insurance claim and taking care of a family or a business – or in some cases, both.
You need someone on your side who has a better understanding of your insurance policy; someone who understands the applicable provisions in your case, someone who understands the mountains of complex forms and the deadlines and the fine print. You need someone who can effectively and solidly secure a fair settlement in your case, a settlement that is in your favor. After all, why allow yourself to be the victim twice?
How L & M Public Adjusters Can Help
At L & M Public Adjusters, we work on behalf of property owners throughout Rhode Island and Connecticut to help them navigate the insurance claim process with confidence. Our focus is on accurate documentation, thorough claim preparation, and professional negotiation to help clients recover and restore their property to its pre-loss condition.
If you are facing an insurance claim and want experienced representation on your side, our team is here to help.
