California E&S Insurance

A public adjuster is a licensed insurance professional who represents policyholders (not the insurance company) in preparing, filing, and negotiating insurance claims. They work exclusively on behalf of the insured to help ensure they receive the maximum settlement to which they’re entitled under their insurance policy. Key Points: • Who they work for: You, the policyholder. • What they do: Handle property damage claims (e.g., from fire, water, storms, theft). • When to hire one: For large or complex claims, or if you feel your insurer’s offer is too low. • How they’re paid: Typically a percentage of the claim payout (often 5–15%). They can be especially helpful if: • You don’t understand your policy’s fine print. • The claim process is dragging out. • You want an independent estimate of damages. • You’re too busy or overwhelmed to manage the claim yourself.

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