🤝

Public Adjusters

Module 4, Lesson 5

When to Involve Them & How to Work Together

What is a Public Adjuster?

Licensed professionals who represent policyholders

Unlike the insurance company's adjuster who works for the carrier, a public adjuster works for the homeowner.

Assess damage and prepare estimates
Submit claims and negotiate with insurance
Work to maximize the settlement
Paid on contingency (10-15% of settlement)

When Public Adjusters Add Value

Best For:

Larger, complex claims
Overwhelmed homeowners
Difficult adjusters/carriers
Known underpayment issues

Less Valuable For:

Small, straightforward claims
Claims already paying full value
Simple, quick settlements

The Math Example

$30,000 claim where insurance offers $20,000

Without PA

$20,000

What insurance offered

With PA

$26,000

$30K settlement - $4K fee

Working with Public Adjusters

Communicate through them—they represent the homeowner on claim matters
Provide complete documentation—photos, dry logs, estimates, everything
Coordinate on scope and pricing—align with their strategy

Working with Public Adjusters (Continued)

Understand timelines may change—negotiation takes time, be patient
Maintain your standards—documentation and work quality still matter

Even with a public adjuster, don't cut corners.

Referring Homeowners to PAs

Can be a win-win situation:

Homeowner gets representation. PA gets a client. You get a larger settlement for your work.

Be careful about referral arrangements:

Some states prohibit referral fees from PAs to contractors. Can create conflicts of interest.

Watch Out For...

PAs who make unrealistic promises (no one can guarantee settlements)
Those who delay claims unnecessarily
Those with adversarial relationships with contractors
PAs trying to reduce contractor costs to maximize homeowner recovery

Not all public adjusters are equal. Your interests should be aligned.

Practical Tips

Know the PAs in your area—build relationships with the good ones
Understand their fees—typically 10-15% (ensure homeowner knows)
Stay involved—don't disappear when a PA is handling the claim
Consider timing—better to involve PA early than after problems arise

Module 4 Complete!

You now have tools for:

Handling difficult adjusters
Responding to claim denials
Managing supplements
Understanding legal considerations
Working with public adjusters

Coming Up: Module 5

Systems & Scaling

Building processes that work consistently
Growing your business profitably
Team training
Quality assurance systems

✓

End of Module 4

Advanced Strategies

See you in Module 5!