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What is a Public Adjuster? A licensed Public Insurance Adjuster is a professional, who, for money, commission, or any other thing of value, prepares, completes, or files an insurance claim form for an insured or third party claimant or who, acts or aids in any manner on behalf of an insured or third party claimant in negotiating for or effecting the settlement of a claim(s) for loss or damage covered by an insurance contract. In other words: A Public Adjuster is hired/retained and represents only the homeowner, property owner, business owner in filing an insurance claim on their behalf and is paid only when you receive the insurance settlement check based on a small percentage of the settlement. Our Fee is on a contingency basis. Why do I need a Public Adjuster? As a Public Adjuster we represent the homeowner or the business owner only, "YOU". We are UNBIASED in interpreting the insurance contract. We will discuss and inform the homeowner or the business owner "YOU" of your eligible coverage's in your insurance policy. We will negotiate and work hand in hand with the Insurance Company's adjuster on your behalf effecting a more favorable loss settlement to you. How much is a Public Adjuster's Services? It is FREE until we receive from the insurance company the claim settlement payment. Usually a small percentage of the settlement amount is paid to the Public Adjuster which is agreed at the beginning. This fee usually does not affect your net claim settlement because we negotiate your claim to the fullest extent of the policy coverage, policy limits, and property damage maximizing a more favorable recovery. Unlike if you would make the claim yourself. Remember "We speak the same language as the insurance company" We get paid when you get paid. How many types of insurance adjusters are there? There are 3 types of insurance adjusters. Staff/Company Adjuster: the staff/company adjuster works only for one insurance company as a salary employee. Independent Adjuster: is hired by many insurance companies as a sub-contractor and gets paid by them. Public Adjuster: is hired and works only for the best interest of the home owner / property owner / business owner as their representatives and is paid by them only when a settlement with the insurance company has been obtained. HomeOwner Claims Public Adjusters, LLC has worked on all 3 phases of the adjusting business since 1979.