Two Types of Adjusters — Only One Works for You
When you file a claim, your insurer sends their own adjuster. That adjuster works for the insurance company. A public adjuster is a licensed professional who works for you—to negotiate with your insurer and maximize your settlement.
What a Public Adjuster Does
A PA inspects your damage independently, prepares a competing estimate arguing for a higher settlement, and negotiates directly with your insurer. They typically work on contingency—10–15% of your final settlement.
When a Public Adjuster Makes Sense
- Large, complex claims or total losses
- Your claim has been denied outright
- Your settlement offer is dramatically lower than actual damage
- You’re unable to manage the process yourself
When You May Not Need One
Here’s what many homeowners don’t know: an experienced restoration contractor does much of what a public adjuster does—as part of their standard service, at no additional cost. Documenting damage, writing a complete scope, pushing back on low estimates, filing supplemental claims—this is how good contractors operate.
Phase III Construction manages the entire insurance claims process as part of our restoration service—documentation, scope of work, adjuster communication, and supplement requests. Call us at (734) 237-7322 before paying anyone a percentage of your claim.