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What is a Public Adjusters?

Need Professional Help? 


We are Insurance Claim Experts

Much like an Attorney of the Law, we represent your interests using our years of experience with Insurance Policy Terms and Coverage.  Our job as a Public Adjuster is to investigate, document,  prepare, and negotiate your insurance claim, while protecting your interests and getting the money you are owed under the policy.  Often with most of the property damage claims we handle, any dispute or problem with your Insurance Company can be resolved fairly without ever having to go to Court. In short, we know what your Insurance Policy's Coverage entitles you to and as a Licensed Public Insurance Adjuster we will help you take full advantage of your policy to ensure that you receive everything you are entitled to, which typically yields you more money for your insurance claim.  

Do You Know.....?
  • What the "Wording" of your Insurance Policy truly means?
  • How to tell if your Insurance Company is operating in "Bad Faith"
  • When you should stop talking with your Insurance Company and seek professional "Help" 
  • What should and shouldn't be covered when repairing your damaged property
  • If the insurance company is truthful when they say "we don't owe for that"


Has your Insurance Claim been underpaid or wrongfully denied?

We work for YOU, not the Insurance Company. 


 Experienced to Represent and Protect Your Interests

Do you feel that you are going to come up short to repair or replace or repair your damaged property after a loss?  Or, is your Insurance Company treating you fairly in settling you property damage claim?

Reasons why a Public Adjuster might be right for you:

  • Your time and life is important.  Managing an insurance claim can be stressful and time consuming.  Public Adjusters take the stress, hassles, and time out of the claim process in the most efficient way possible allowing you to focus on getting your life back to normal.
  • Saying the wrong thing may jeopardize the outcome of your claim.  Expert representation ensures your interests are protected.
  • Don't let the insurance company tell you what they want to pay you.  As an insured, you need to present the insurance company what they owe you.
  • Not understanding your insurance policy may be detrimental.  Public Adjusters are experienced in policy language, coverage's, as well as documenting, preparing, and negotiating with insurance companies for efficient claim settlement.
When not to Hire A Public Adjuster


Miller Public Adjusters only works for clients whom we can add a certain level of value and expertise to their claim.  After a FREE Claim Review, in the event we do not think we can add value to your claim, we will advise you to take the proper steps in completing the claim without the use of a Public Adjuster.

Here are some reasons why a Public Adjuster may NOT need to be hired:

  • After a claim, there will be a wide array of emotions and unexpected difficulties that you will have to face.  These emotions can put you in a vulnerable state, and may make decision making more difficult.  We recommend that you do not hire a contractor, Public Adjuster, or any service provider for the first few days after the claim.  Make sure you take care of yourself and family first.
  • Public Adjusters are trained and experienced to handle complicated and difficult claims.  A company adjuster may only be trained and qualified to handle more basic claims that involve minor losses.  If your claim involves minimum replacement from a minor loss, a Public Adjuster may not add enough value to your claim.
  • In some cases, for example, you may only have a $5,000 policy limit for water backup from sewer or drains, and your finished basement floods from a sump pump.  The work to remove and replace the contents, drywall, and flooring will exceed that limit. A Public Adjuster would not be necessary because the limit will be met and there is little value to be added to this small claim.

Most people will go through their life and never have to file an insurance claim.  For the ones that have had this unexpected situation arise, we have put together a list of very important things you need to do when a loss occurs.  These items will help ensure a smooth and successful claims settlement

Claim Do's

  • Make sure you know where your policy is and have a basic understanding of its coverage's and limits
  • After your family is safe, the most important task you can do first is document the claim by taking photos of the damages to any property or contents.  The more pictures you document initially, the better prepared you will be further down the road.
  • Having a well documented loss will help get the most efficient and maximum settlement you are entitled to.
  • There are certain responsibilities that a policyholder has to facilitate based on their policy.  One of these is to make temporary measures to prevent further damage such as tarp off a damaged roofs to prevent more water from getting in the property.
  • Keep any receipts and proof of expenses incurred as a result of the loss such has hotel bills, gas, or grocery receipts.

Claim Don'ts

  • Do not remove any content or belongings from the site of the loss until all inventory has been photographed and documented.  If you need minor personal belongings right after the claim, take a picture of each item you remove to later document that item was on the premise.
  • Do not sign any contracts, especially work authorization contracts by a third party vendor or an insurance company vendor to start work/cleaning prior to negotiating your claim settlement.
  • Do not clean up or throw away any debris or inventory prior to negotiations and documentation of your loss.  Doing this will only hinder an accurate scope of damages.
  • Do not try and buy anything in cash.  Make sure everything you buy for the claim is documented and has a receipt for purchase.  Having this documentation is very important in maximizing your claim settlement.