Public Adjuster
A licensed adjuster hired by the policyholder to document, present, and negotiate a property insurance claim.
Public adjusters (PAs) owe a fiduciary-style duty to the insured. They charge a contingency or flat fee regulated by state law. They cannot practice law but often work alongside attorneys on large losses.
Examples
After a fire, a homeowner retains a PA to prepare the proof of loss, scope, and negotiate with the carrier's adjuster.
Common Misconceptions
Verifying PA license and fee caps. Signing broad contracts without understanding fee percentage on full settlement.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
