Faq About National Adjusters, Inc. Public Adjuster | Public Adjusters | Public Insurance Claim Adjuster Faqs


Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Definition per the National Association of Public Insurance Adjusters.

No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by the State.

National Adjusters team of Public Adjusters are very skilled negotiators who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. As your Public Adjuster we will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can only protect the interest of his/her employer. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.

A Public Adjuster is an insurance adjuster that will only represent the policyholder. They are experts in understanding your policy, coverage and the insurance company responsibilities in order to negotiate the best possible settlement on your behalf.

Public Adjusters are hired by homeowners, condominium associations and commercial business owners / professionals including but not limited to: attorneys, banks, accountants, business owners, and even insurance adjusters and agents contact us for their own personal losses. Once a person has experienced the benefits of a public adjuster, they will rarely attempt to settle a claim without calling us.

You should contact National Adjusters immediately after a loss. It is most beneficial from the start, we are able to document all of the damage and determine the cause of loss, not to mention we present the loss to the insured company in a way not to jeopardize the claim in anyway. The beginning of the claim development is the most important as it sets the tone for the entire claim process.

Public Adjusters are an insurance adjuster expert, who is licensed and certified by the Department of Financial Services or Department of Insurance to work exclusively for the benefit of the policy holder.

You should call National Adjusters immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.

Our public adjusters only gets paid if we are able to recover money on your claim. The standard Public Adjuster fee in many States is typically 20% unless its a natural disaster than the fee is typically 10%. All States are different however. It all depends on the complexities of your claim and details, no two claims are alike. Email us, we can better answer that question


Usually its not too late. (examples: Florida law allows 2 years, California allows 4 years, State to State the time to file a supplemental claim from the date of loss or the date of breach is different.) If you do not believe you were paid the right amount, and would like us to review your claim, please contact us. We will review your claim and give you our professional opinion as to what you can do.

National Adjusters only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion

National Adjusters, Inc. is a ALL-LINES Public Adjuster, we can handled all homeowners claims, condominium claims, condominium association claims and commercial claims. We do NOT handle auto claims.

Settlement QUESTIONS

Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.

Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.

Studies have clearly demonstrated that the most inventories compiled by insured without the help of a Public Adjuster are very incomplete.

As long as you did not sign a release and the statute of limitation has not passed, you should be able to reopen your claim.

The average claim settles in 3-4 months on average. The insurance company like to dictate the speed of the claim and the timing of the payment. Our public adjuster will see to it they pay as quick as possible and for the right amount.