Should I Hire a Public Adjuster?

Should I Hire a Public Adjuster After Property Damage?

After a major loss, the insurance claims process can feel impossible to manage. In addition to dealing with the emotional toll, you’re suddenly responsible for handling tasks such as:

• Filing the insurance claim
• Finding temporary living arrangements
• Emergency mitigation and cleanup
• Addressing hazardous materials like mold or asbestos
• Communicating with adjusters and contractors
• Scheduling inspections and meetings
• Estimating building damage
• Inventorying damaged contents

All of this must be done in the correct order, while avoiding errors that could delay or reduce your settlement.

Why “Going Through the Insurance Company” Isn’t Enough

Insurance companies often reassure policyholders that they are there to help. While this may sound comforting, it’s important to understand one critical fact:

Insurance company adjusters do not work for you.

They work for the insurance company.

Their role is to control claim costs and minimize payouts. This can result in claims dragging on for months—or even years—while policyholders struggle to get clear answers or fair settlements.

This is where many people realize they need someone on their side.

What Does a Public Adjuster Do for Policyholders?

A Public Adjuster is a licensed insurance professional who represents YOU, not the insurance company.

Their role is to manage the entire claims process on your behalf, including:

• Inspecting and documenting all damages
• Preparing and presenting the claim
• Identifying overlooked damages and expenses
• Negotiating directly with the insurance company
• Working toward the maximum possible settlement

Public Adjusters understand policy language, claim strategy, and insurer tactics—knowledge most policyholders simply don’t have.

Benefits of Hiring a Public Adjuster

If you’re asking should I hire a public adjuster, consider these benefits:

• Less stress and time spent managing the claim
• Faster claim progression and fewer delays
• More complete damage documentation
• Stronger negotiating position
• Higher likelihood of receiving full policy benefits

While Public Adjusters charge a fee, it is typically a percentage of the settlement and only paid if you receive compensation. Many policyholders find the increased settlement far exceeds the cost.

How to Choose the Right Public Adjuster

Not all Public Adjusters are the same. When hiring one, look for:

• Proper licensing and credentials
• Experience with claims like yours
• Membership in professional organizations
• Transparency about fees and process
• Clear communication and responsiveness

Choosing the wrong adjuster can be just as damaging as handling the claim alone.

So, Should I Hire a Public Adjuster?

If your claim involves major fire or water damage, the answer is often yes.

Manhattan Public Adjustment is a team of licensed Public Adjusters who specialize in large residential property damage claims. We work exclusively for policyholders and handle every aspect of the claim so you don’t have to.

We’ve helped hundreds of people recover from devastating losses—and dramatically increase their settlements.

If you’ve reached the point where you’re saying, “Enough is enough,” it may be time to work with a team that knows how to guide you through the process the right way.