It’s a daunting challenge to do everything you need to do on your own when dealing with the aftermath of a fire. Not only do you have to deal with the complexity of the fire damage claims process, you also have to make sure your property gets inspected, cleaned, repaired and rebuilt.

Add to that the emotional toll of coping with a tremendous loss and trying to care for your family – it can be overwhelming. Working with a public adjuster can significantly ease your stress level caused by the trauma of fire damage.

What is a Public Adjuster & Why Hire One?

A public adjuster is a claims professional who advocates for policyholders in appraising and negotiating their insurance claims. An insurance company’s claims adjusters or independent adjusters can only legally represent the rights of an insurance company.

While the insurance company’s goal is to minimize the amount it will pay you for your claim, your public adjuster is in your corner, leveling the playing field so you receive every penny you’re entitled to under the provisions of your insurance policy.

Here are some of the things the public adjuster can do for you:

  • Damage appraisal
  • Inventory preparation
  • Property estimates
  • Learn the ins and outs of your policy
  • Prepare claim documents
  • Negotiate the outcome of the claim with your insurance company

If your claim due to fire damage is denied, your public adjuster can help with that, too. We can assign an independent investigator to look into your damages. Once the investigator proves that you’re not at fault for the fire, your public adjuster can make sure an appeal is filed appropriately, and continue to negotiate with the insurance company until your fire damage claims are settled.

A public adjuster does not work with the insurance company and always works on your behalf. The two of you share a common goal: Get the most you can for your fire damage claim so you can get started on rebuilding and repairing your home and returning your life to normal.


Decisions made and actions taken during the first six months after a fire will largely determine what kind of claim settlement you’ll receive from your insurance company.

first six months ebook cover