08/11/2026
When you file a property claim, an adjuster shows up. Most people assume that person is neutral.
They aren't, and they'd tell you so themselves. The adjuster your carrier sends works for your carrier. They're paid by the company writing the check, they're working from that company's estimating software, and they're carrying a file load that doesn't leave much room for a second look.
A public adjuster works the other direction. Same license type, same training, same estimating standards. The difference is who we represent.
What that means in practice:
We read the policy first. Not the summary page, the full form with the endorsements. Coverage that gets overlooked lives in the endorsements more often than anywhere else.
We document the loss independently. Our own inspection, our own photographs, our own scope of repair. Not a review of the carrier's estimate, a separate one built from the property.
We handle the correspondence. Supplements, reinspection requests, the back and forth that determines whether a claim closes at the first number or a different one.
Thirty-six years of this, licensed across nine states, and the job hasn't changed: read what the policy promises and make sure the property owner actually receives it.
If you have a claim open and you're not sure whether the number in front of you is right, that conversation costs nothing.
