What is a Public Insurance Adjuster?

A public adjuster (PA) represents you—the policyholder—prepare, present and settle a home or business property insurance claim.  A qualified PA has specialized expertise that can simplify and speed up the complicated, time-consuming process for settling a claim for property damage from fire, windstorm, hail, floods, hurricanes, and other disasters.

A PA works only for you—not an insurance company, not a roofing company, not a repair company, or general contractor.  Hiring a PA is an important protection for your rights as a policyholder.

Public adjusters are licensed by the State of Texas to represent policyholders as their claim advocate.  When handling your claim for property loss, insurance companies use their own licensed claims adjusters or sometimes contract with licensed independent adjusters.  Their job is to represent the insurance company’s interests.  The public adjuster focuses only on your interests. 

 A public adjuster understands insurance policies.  A PA knows about things like current replacement costs, property repair, business income loss, and other elements of property loss that are critical to getting a fair and proper settlement.