We Work For You. Never the Insurer.

A public adjuster is a licensed insurance professional who works exclusively for policyholders—not insurance companies. Our job is to evaluate your property damage, review your insurance policy, document every aspect of your loss, prepare a detailed estimate, and negotiate directly with your insurance company to help you receive the settlement you're entitled to under your policy.

At Miller Public Adjusters, we handle the paperwork, communication, inspections, and negotiations so you can focus on getting your home or business back to normal.

Yes—but the insurance company's adjuster works for the insurance company. Their responsibility is to investigate the claim on behalf of the insurer.

A public adjuster works for you. We represent your interests, ensure all covered damages are identified, and advocate for a fair settlement based on your policy. Having your own expert helps level the playing field during the claims process.

In many cases, yes. A denied or underpaid claim doesn't always mean that's the final decision.

We'll review your insurance policy, the insurance company's findings, and the documentation supporting your claim. If additional evidence or a stronger presentation can support your case, we'll work to pursue the benefits you're entitled to under your policy.

Every claim is unique, so we offer a free consultation to determine whether we can help.

It depends on your situation.

If the primary issue is determining the value of your property damage or negotiating your insurance claim, a public adjuster is often the right place to start. We specialize in documenting losses, interpreting insurance policies, and negotiating settlements.

If your claim involves legal disputes, allegations of bad faith, or litigation becomes necessary, an attorney may be appropriate. In many situations, a public adjuster can help resolve the claim without the need for legal action.

If you're unsure, we're happy to review your situation and point you in the right direction—even if that means recommending another professional.

Insurance companies are required to honor the terms of your policy, but determining what a claim is "worth" isn't always straightforward. Damage can be overlooked, repair costs underestimated, or policy benefits misunderstood.

That's why it's important to have a thorough evaluation. We review your policy, document all covered damages, and present a well-supported claim to help ensure nothing is left on the table.

Most public adjusters, including Miller Public Adjusters, work on a contingency fee basis. That means you don't pay any upfront costs. Our fee is a percentage of the insurance settlement we recover on your behalf, and if we don't recover additional funds, you don't owe us a fee.

We'll always explain our fee structure upfront so you know exactly what to expect before moving forward.

The sooner, the better. Bringing in a public adjuster early allows us to document damage before repairs begin, preserve important evidence, and help guide the claims process from the start.

However, it's not too late if you've already filed a claim. We can often step in during the process if negotiations have stalled, damage was missed, or you're concerned about the settlement being offered.