A Public Adjuster is a licensed professional who works exclusively for the policyholder and NEVER the insurance company as your private adjuster. A Public Adjuster is an advocate who represents the policyholder throughout the entire claims process through the ultimate settlement payment. The Public Adjuster prepares and presents the claim package to the insurance company for the policyholder. The Public Adjuster is educated and tested in insurance law with emphasis on the insurance claims parameters, as well as the intricacies of how the claims process works. In addition, the Public Adjuster is expert in negotiations along with the knowledge of insurance companies’ tactics attempting to shut down or curtail claims payments. A Public Adjuster, is, by law, the only individual who is able to represent policyholders for a property damage claim. A Public Adjuster must meet rigorous educational, background, and ethical principles required by the state. Public Adjusters are licensed, bonded, and insured. A Public Adjuster executes an array of essential tasks, including scoping and inspecting the location or property where the damages occurred, ensuring steps are carried out to further protect your property, reviewing your insurance policy, estimating and evaluating the cost to clean up and fully recover from your damages, presenting the claim package to the insurance company, negotiate with your insurance company to settle your claim for the highest dollar amount you are entitled.