What Do Public Adjusters Do?

What Can A Public Adjuster Do For My Claim?

Public Adjuster Representation Typically Results in Larger Payments!

747% More Money. That's What!

An OPPAGA report indicated that using a Public Adjuster gets policyholders an astounding 747% higher payout than filing a claim without representation.

The Office of Program Policy Analysis and Government Accountability (OPPAGA) is an office of the Legislature providing data, evaluating research, and objective analyses to assist legislative budget and policy deliberations. See full report here.

But what exactly is a Public Adjuster?

A Public Adjuster is an option no insurance company will tell you about.

Insurance Company Adjuster vs. Public Adjuster

Insurance companies have their own adjusters that they send out to assess the legitimacy of an insurance claim, called Staff Adjusters or Independent Adjusters. They are very different from Public Adjusters.

The first and most obvious difference is that they work for the Insurance company and NOT the policyholder. Public Adjusters work only for the public and are paid by the public, not the insurance company. It’s also much more difficult to become a state licensed PA than a standard staff adjuster or independent adjuster.

Another major difference is the apprenticeship. Staff and Independent adjusters are not required to apprentice for a year or any set amount of time as a trainee. The motive is different, the program is different, the testing is different, and of course the state license  and regulation is different. A Staff or Independent can become a PA, but they have to concede to all of the requirements and relinquish their current license as a Staff or Independent Adjuster. They cannot represent both the Insurance Company and the property owner because that would obviously be a major conflict of interest.

Staff and Independent Adjusters can often be one-sided, biased, and nit-picky, scrutinizing the damages to avoid awarding proper payment, or denying legitimate claims all together. The Insurance company they work for keeps record of how much they’re paying out, and if it reaches a certain number, their job could be in jeopardy. So, they’re pressured to keep their claim payouts as low as possible, to save the insurance company money.

Public Adjusters are there to tip the balance scale back the other way, to look out for the interest of the policyholder. No longer are you left at the mercy of a job-scared biased party. A PA can be hired by you, the insured, to assess the claim, negotiate* with the insurance company, and sometimes go to court (as an expert witness) to resolve your claim and get you the money you deserve for restoration of damages.

Click the link below, to see how our process works

How do you choose the right Public Adjuster?

ruthson-zimmerman-Ws4wd-vJ9M0-unsplash (1)



Organizational Involvement


Make sure the Public Adjuster you choose is indeed carrying a license and bond from the state. You can easily find out if your Public Adjuster is licensed and bonded by calling your state department of insurance, or visiting their website. Your PA should provide you with their license number for this purpose. You only want the best public adjuster with exceptional resources to represent your financial interests.

You want someone that is knowledgeable and experienced, so ask for references and work history. Check the online reviews and reputation of the public adjusting company and ask around town – not just about the service of the company, but about the Public Adjuster himself (or herself)! Sometimes it helps to know what type of reputation the person has. PAs are like any other profession, there are bad apples out there that you’re better off avoiding.

To make sure that you haven’t chosen some fly by night adjuster who’s not invested a lot of thought or time into their business, it helps to find out if they are members of any business organizations, such as their local Chamber of Commerce, or any other Public Adjusting Associations. This also gives you a starting point if you want to call someone to ask about the company.

Adjusters are supposed to be professionals; your PA should speak, act, and dress professionally, return phone calls in a timely manner, and be willing to answer questions you may have. To obtain the services of a PA, cost should range from 8% to 25% of your total claim. Anything higher or lower than those amounts may be a red flag as to whether or not you’ve hired the right PA. The contract you’ve signed should have a disclaimer explaining how long you have to terminate the contract, if you find you need to cancel.


How do I find a PA?


Noble Public Adjusting Group has everything on the list of finding “the right PA”. But to be fair, you should do some research for yourself. The internet is the best source for finding a PA that represents clients in your area. As you begin researching, you’ll find that most PA firms are located in large cities, and have a multitude of clients. You want to try to use a firm, or Independent PA who has a lot of business, but is not overwhelmed. Knowing that a PA has a secretary or supportive staff is reassuring.

There should be adequate time for focused attention on each client. Noble PA Group has a branch out policy in place that enables our PAs to focus on a minimal amount of clients at one time, by limiting the number of and hiring more qualified adjusters or office staff when numbers exceed the set amount.

Our pay comes directly from the money the insurance company awards, so there’s no out of pocket expense. Fees are regulated according to state statutes that are different in every state, and Noble will clearly communicate the fees with you both in writing and verbally according to the latest state statutes. In any case, if you don’t get paid, we don’t get paid.

I'd like to meet with a PA

If you would like a free consultation, policy review, and inspection of your property, click here and request a visit from a PA.

How Our Process Works

Want to learn more about the process of working with a Public Adjuster, and with the Noble PA Group? Click below to find out.

Does Noble cover my area?

Even if you’re not directly in a major city, we cover many areas and some outside of the state. Click below to see where.