Public Adjuster — Insurance Claims Definition
Industry
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 Mistakes
Verifying PA license and fee caps. Signing broad contracts without understanding fee percentage on full settlement.
