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When to Hire a Public Adjuster: A Guide to Knowing When You Need Professional Help

October 11, 2023 6:45 pm Published by

Dealing with insurance claims can be daunting, especially when you’re faced with property damage or loss. In such situations, a public adjuster can be your advocate and guide, ensuring you receive fair compensation from your insurance company.

What Is a Public Adjuster?

A public adjuster is a licensed professional who specializes in evaluating, negotiating, and settling insurance claims on behalf of policyholders. Unlike insurance company adjusters, who work for the insurer’s interests, public adjusters work solely for you, the policyholder.

What Situations Do I Need a Public Adjuster?

Public adjusters tend to have experience in several types of claims. Situations a public adjuster can typically help include:

Property Damage

If your home or business sustains damage from a natural disaster, fire, flood, or any other covered event, a public adjuster can help you navigate the claims process. They assess the damage accurately, ensuring you don’t miss out on any eligible compensation.

Disputed Claims

When your insurer disputes your claim, undervalues your losses, or delays payment, a public adjuster can step in to resolve conflicts and advocate for a fair settlement.

Business Claims

If your business suffers losses, a public adjuster can help you recover lost income, inventory costs, and any other expenses covered by your commercial insurance policy.

How a Public Adjuster Can Help

A well-prepared claim with accurate and complete information can increase your chances of receiving a fair settlement without a public adjuster. However, a public adjuster on your side can assist you in:

Accurate Assessment

Public adjusters are trained to conduct comprehensive damage assessments. They ensure no damage goes unnoticed, maximizing your claim amount.

Claims Documentation

They assist in documenting and organizing the claim, including preparing estimates, inventories, and supporting evidence, making your claim more persuasive to the insurer.


Public adjusters are skilled negotiators who work to secure the best possible settlement on your behalf. They understand the tactics used by insurance companies and can counter them effectively.

Claims Management

They take the burden of managing the claims process off your shoulders, allowing you to focus on recovery and rebuilding.

Speak with a Local Public Adjuster in San Antonio, Texas

Hiring a public adjuster is a wise decision in many insurance claim scenarios, particularly when dealing with a first-time or complex claim. Michael Acerra, a licensed public adjuster in San Antonio, has experience with commercial, residential, storm damage and underpaid claims. Please don’t hesitate to contact our office to speak with Mike about your claim!


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This post was written by Michael Acerra Public Adjuster

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