Should I Hire a Public Adjuster? | Top Benefits Explained
My home sustained significant damage as a result of Hurricane Helen. My wife and I are extremely happy and appreciative to Panthers Public Adjusters for their professional representation.
Should I Hire a Public Adjuster? Here's What You Need to Know:
When disaster damages your home or business, you’re thrown into a confusing and stressful insurance claims process. If you’ve ever asked yourself, “Should I hire a public adjuster?”—you’re not alone. Thousands of policyholders across the U.S. are discovering the power of having a licensed advocate on their side.
Whether you’re dealing with a denied claim, a lowball offer, or a complex case after a hurricane or fire, this guide explains the top benefits of hiring a public adjuster—and when it’s the right time to bring one in.
What Is a Public Adjuster?
A public adjuster is a licensed insurance expert who represents you, the policyholder—not the insurance company. Their role is to:
Assess and document damage
Interpret complex policy language
Estimate fair repair/replacement costs
Handle claim negotiations to maximize your payout
Unlike insurance company adjusters who protect the insurer’s bottom line, a public adjuster fights for your full recovery.
Top Benefits of Hiring a Public Adjuster
1. Maximized Settlements
Public adjusters are trained to spot undervalued damage and negotiate higher payouts. Studies show that policyholders who hire public adjusters on average receive over 7 times more than those who go it alone.
Case Study: One homeowner was offered $8,500 after a hurricane. With a public adjuster’s help, the final settlement was $47,200.
2. Expertise in Complex Claims
Storms, fires, floods, and commercial losses come with layers of complexity. A public adjuster:
Analyzes policy coverage
Handles damage estimates
Documents loss thoroughly
Navigates red tape to avoid delays or denials
3. Time Savings & Less Stress
Managing an insurance claim can feel like a full-time job. Public adjusters coordinate inspections, paperwork, and communication—so you don’t have to. If your home is uninhabitable or your business is halted, we step in so you can focus on recovery.
4. Dedicated Advocacy
Your public adjuster works only for you. They push back against low offers, vague denials, or delay tactics—and can guide you through the appraisal or legal process if needed.
5. Help With Denied or Reopened Claims
Already accepted a payment but found more damage? Was your claim denied without a clear reason? A public adjuster can reopen and re-negotiate claims for:
Hidden or missed damage
Supplemental or code upgrade costs
Delayed structural or mold issues
When Should I Hire a Public Adjuster?
It’s ideal to involve a public adjuster early in the process — ideally right after the damage occurs. But even if your claim is already underway or was settled months ago, it might not be too late to seek help.Here are cenarios where a public adjuster is invaluable:
Real-World Success Stories
A Florida homeowner’s $2,000 hurricane claim was re-evaluated and settled for over $150,000
A Miami business owner’s theft claim was stalled for months. Panther Public Adjusting got the carrier to pay full policy limits within 60 days.
How Panther Public Adjusting Can Help
With years of experience, deep policy knowledge, and sharp negotiating skills, we’re equipped to handle even the toughest claims:
Denied or underpaid hurricane claims
Mold, water, and fire damage
Commercial property loss
Landlords, HOA boards, and overwhelmed homeowners
We fight to protect what you’ve built—so you can rebuild confidently.
Let’s Talk – Free Claim Review
Still wondering if you should hire a public adjuster? Let’s find out together. Schedule a free, no-obligation consultation and we’ll assess your situation and let you know how we can help.
📞 Call: 833-726-8437
📧 Email: Claims@PantherPA.com
📝 Contact Form: Start your review »
Final Thoughts
When you’re up against an insurance company with endless resources, having a licensed public adjuster on your side levels the playing field. From denied claims to major disasters, we’ve helped thousands of clients get what they’re truly owed.
So if you’re asking, “Should I hire a public adjuster?”—the answer is simple: if you want less stress, more money, and a smoother process… the time is now.
Frequently Asked Questions About Public Adjusters
What does a public adjuster do?
A public adjuster works on your behalf—not the insurance company’s. They assess the damage, interpret your policy, prepare and file your claim, and negotiate to get you the best possible payout.
Is it worth hiring a public adjuster?
Yes, especially if your claim is large, complex, denied, or underpaid. Public adjusters often help policyholders receive significantly higher settlements than if they filed alone.
When should I contact a public adjuster?
Right after the damage occurs is ideal, but a public adjuster can also step in during a claim or even after it’s closed (to help with supplements or denials).
Can a public adjuster reopen a closed claim?
Yes. If you’ve discovered additional damage or believe your initial settlement was unfair, a public adjuster can often help reopen the claim and pursue a higher payout.
How does a public adjuster get paid?
Public adjusters are typically paid a percentage of your insurance payout— There’s usually no upfront cost, and the adjuster’s job is to help you get more than you would on your own.
What types of claims do public adjusters handle?
Hurricane and storm damage
Fire and smoke damage
Water leaks and burst pipes
Mold infestations
Vandalism and theft
Business interruption losses
Will hiring a public adjuster delay my claim?
No. In fact, having a public adjuster typically speeds up the process by ensuring everything is properly documented and submitted promptly, reducing back-and-forth delays with insurers.