Choosing the Right Public Insurance Adjuster Near Me | What You Need to Know
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How to Choose a Public Insurance Adjuster Near Me
When your home or business suffers serious damage, hiring the right public insurance adjuster near me could be the smartest move you make. But not all adjusters are created equal. Like any profession, some go above and beyond—and others cut corners or put their interests first.
With so many options out there—especially in disaster-prone states like Florida, California, and across the Gulf Coast—knowing how to separate trusted professionals from opportunists is essential. Here’s a proven step-by-step guide to help you make the right choice.
10 Key Tips for Choosing a Public Adjuster
1. Don’t Rush the Decision
Avoid hiring the first adjuster who cold calls or knocks on your door. The best adjuster isn’t always the fastest to show up—they’re the one who gets the job done right. Take time to research, compare, and interview.
Note: In some states, public adjusters can’t legally solicit clients within the first 24–72 hours after a loss. But you can reach out to one immediately.
2. Verify Licensing & Credentials
Only work with a licensed public adjuster in your state. You can verify their license via your state’s Department of Insurance.
Look for:
Proof of current license
Membership in reputable associations (e.g., FAPIA)
Avoid contractors or remediation firms posing as adjusters—this is illegal and unethical
3. Look for Relevant Experience
Claims vary widely. Make sure your adjuster has handled your type of damage (fire, water, mold, hurricane, etc.) and knows your insurance company’s processes.
Ask:
Have you worked with my insurer before?
Do you handle residential or commercial claims?
Can you share success stories from similar claims?
4. Ask for References and Reviews
A reputable adjuster will have happy clients ready to vouch for them.
Check:
Google and Facebook reviews
Local neighborhood forums or Facebook groups
Neighbors or community recommendations
5. Avoid Pushy Sales Tactics
If someone pressures you to sign on the spot—walk away. A professional public adjuster explains their process, answers questions, and gives you time to decide.
Take your time reviewing the contract. Ask questions. Transparency is key.
6. Understand Their Fee Structure
Public adjusters usually take a percentage of your final settlement. In Florida, it’s typically 20%, capped at 10% during a state of emergency.
Be cautious of:
Anyone offering unusually low rates
Vague or confusing fee language
Adjusters who don’t put fees in writing
7. Keep Adjusters and Contractors Separate
Don’t hire a public adjuster who wants to also repair your home. That’s a conflict of interest and could lead to inflated repairs or even legal problems.
You should stay in full control of your payout.
8. Ensure They Review the Full Scope
No public adjuster should guarantee a result without reviewing your policy and inspecting your damage.
A real pro will:
Review your policy in detail
Conduct an in-person inspection
Develop a full documentation strategy
9. Check Longevity and Local Presence
Watch out for “storm chasers” who set up shop only during disasters. Instead, choose an adjuster with:
Years in business
Local references
A permanent office you can verify
Avoid hiring the first adjuster who cold calls or knocks on your door. The best adjuster isn’t always the fastest to show up—they’re the one who gets the job done right. Take time to research, compare, and interview.
Note: In some states, public adjusters can’t legally solicit clients within the first 24–72 hours after a loss. But you can reach out to one immediately.
10. Trust Your Gut
You’re trusting this person with one of the biggest financial claims of your life. If something feels off, it probably is.
Choose someone who communicates clearly, listens well, and earns your trust.
Why Choose Panther Public Adjusting?
Trusted Public Insurance Adjusters Near You
At Panther Public Adjusting, we’ve recovered over $75 million for property owners just like you. We’re licensed, experienced, and focused 100% on protecting policyholders—not insurance companies.
We bring:
Transparent contracts and clear fees
Decades of combined experience
5-star client testimonials
National reach with a local touch
Ready to Make the Right Choice?
Whether your claim is new, denied, or underpaid, our licensed public insurance adjusters are ready to help you take control. From inspection to negotiation to payout, we’re with you every step of the way.
📞 Call Us Now: 833-726-8437
📧 Email: Claims@PantherPA.com
📝 Request a Free Claim Review: Click Here
Frequently Asked Questions About Public Adjusters
What should I look for when hiring a public adjuster?
Look for licensing in your state, strong references, relevant experience with your type of claim, and ethical, transparent communication. Membership in reputable organizations like the Florida Association of Public Adjusters (FAPIA) is also a great sign.
How much does a public adjuster charge?
This will vary based on state laws as well as type of claims. In Florida, during a state of emergency, the cap is often 10%., for non State of Emergency claims in Florida, 20% is the standard.
Be cautious of offers that seem too low — they could be cutting corners or lack the skill to handle your claim effectively.
Can a public adjuster speed up the claim process?
Yes. While they can’t override your insurer’s timeline, public adjusters help ensure documentation is complete and accurate — reducing back-and-forth delays and expediting the settlement process.
Is it legal for contractors to help with insurance claims?
In many states, it’s illegal for contractors or remediation companies to act as public adjusters unless they are licensed. Always keep the roles of adjuster and contractor separate.
How do I verify if a public adjuster is licensed?
You can check their licensing through your state’s Department of Insurance website. In Florida, visit the Florida Division of License Search or call 1-877-693-5236.
Should I hire a public adjuster for a small claim?
It depends. For simple claims, it may not be necessary. Howevver, many times what you may think is simple, can be more complex, or a much larger claim then you realize. It is always best to contact a Public Adjuster for a free consultation prior to filing a claim.