Memo – Always Choose Your Own Insurance Adjustor

Hiring an independent or public insurance adjuster places a licensed professional in your corner to advocate for your financial interests during property damage claims.

• Elimination of Conflict of Interest: Staff adjusters work for the insurance company and are financially incentivized to minimize payouts. A private public adjuster works exclusively for you to maximize your legitimate settlement.

• Higher Claim Settlements: Industry studies show policyholders who use public adjusters consistently receive significantly higher payouts—sometimes 200% to 700% higher—because private adjusters document hidden, structural, and long-term damages that company adjusters often overlook.

• Expert Policy and Technical Knowledge: Insurance policies contain complex legalese and strict filing deadlines. Public adjusters understand fine-print coverage limits, local building codes, and depreciation calculations, preventing claims from being underpaid or wrongfully denied.

• Thorough and Precise Damage Documentation: Instead of a quick surface inspection, private adjusters conduct comprehensive room-by-room assessments, line-item repair estimates, and detailed personal property inventories using industry-standard pricing software (like Xactimate).

• Stress Reduction and Time Savings: Managing a major property claim requires dozens of hours of calls, paperwork, and technical negotiation. Hiring your own adjuster offloads the administrative burden entirely, letting them deal directly with the insurer while you focus on recovery.

Public adjusters typically work on a contingency fee model (charging a percentage of the total settlement), making them particularly effective for complex, high-value, or heavily disputed property claims.