The Truth About Public Adjusting: 9 Myths Debunked

The Truth About Public Adjusting 9 Myths Debunked

There are many myths and misconceptions about public adjusting. Some people believe that public adjusters are only necessary for large insurance claims, or that they are nothing more than scammers.

In this article, we will debunk nine of the most common myths about public adjusting. We will show that public adjusters can be helpful for any size claim and work hard to maximize compensation for their clients.

Public Adjusters are Only Necessary for Large Insurance Claims

A public adjuster can be helpful for any size claim, as they have the knowledge and expertise to ensure that all damages and losses are properly documented and accounted for. This includes negotiating with the insurance company on your behalf.

Public Adjusters Charge Exorbitant Fees

Public adjusters typically charge a percentage of the final settlement amount, making their fee contingent on successfully resolving the claim for their client. In addition, public adjusters often secure larger settlements than if a policyholder were to handle the claim on their own, offsetting any upfront costs.

Hiring Public Adjuster Delays the Claims Process

A public adjuster will work efficiently and diligently to ensure that the claim is resolved in a timely manner. They are also well-versed in navigating the often-complex claims process, potentially speeding up resolution.

Public Adjusters Can’t Be Trusted Because They’re Not Affiliated with Insurance Companies

Public adjusters are licensed professionals with extensive knowledge of insurance policies and regulations. They work for the policyholder, not the insurance company, giving them an added level of objectivity and advocacy for their client’s best interests.

My Insurance Company Has My Best Interest in Mind and Will Give Me a Fair Settlement Offer

Insurance companies often try to minimize payouts for claims, and may not consider all damages and losses. On the other hand, a public adjuster can ensure that everything is properly documented and represented in the claim.

Only Businesses Need Public Adjusters

Homeowners can benefit greatly from hiring a public adjuster, particularly for large or complex property damage claims.

You Shouldn’t Hire a Public Adjuster Until After the Insurance Company Has Made a Settlement Offer

It’s best to hire a public adjuster as soon as possible after sustaining damages, as they can assist with the initial reporting of the claim and collecting necessary documentation. This can ultimately lead to a quicker resolution and potentially higher settlement.

Public Adjusting Is Not Regulated or Licensed

Public adjusting is a heavily regulated industry, with licensing requirements varying by state. Be sure to hire a licensed public adjuster who has experience handling claims similar to yours.

All Public Adjusters Have the Same Level of Expertise and Success

As with any profession, public adjusters vary in their level of expertise and track record of successful claim resolutions. Carefully research and vet potential public adjusters before hiring.

Ask for references or case studies to ensure they are the right fit for your claim. For instance, you may consider Stone Claims Group. They are reliable, experienced, and well-known for their ability and great track record of successful claim resolutions. In fact, they aim to maximize your claim recovery.


Overall, public adjusters can greatly benefit policyholders by providing expertise and advocacy in navigating the often-complex claims process. Do not believe the myths – seek out a licensed public adjuster to ensure that all damages and losses are properly represented in your insurance claim.