What is a Public Adjuster?
A public adjuster (PA) represents you — not the insurance company. Learn what public adjusters do, how they help with insurance claims, and when to hire one.
What a Public Adjuster can Provide
A public adjuster is a state-licensed insurance professional who represents you, the policyholder — not the insurance company. They manage the claim process from start to finish, ensuring that your settlement reflects the true cost of repairs or replacements.
Inspects Damage
Files Claims
Negotiates Settlement
Maximizes Payout
How Is a Public Adjuster Different from an Insurance Company Adjuster?
Confused about what a public adjuster actually does? You’re not alone. A public adjuster is a licensed professional who works for policyholders — helping homeowners, contractors, and businesses navigate and maximize their insurance claims after property damage.
Public Adjuster (You)
- Works for the policyholder
- Goal: maximize your payout
- Paid a small % of your claim
- Advocates for fair claim value
Insurance Company Adjuster (Them)
- Works for the insurance company
- Goal: limit company liability
- Paid by the insurer
- Protects insurer’s bottom line
Our 6-Step Adjusting Process
Step 1
Assessing Your Loss:
Once you contact us, we send a representative to assess the total damage to your property. Losses to commercial properties also impact the operations and earnings of your business and we take those additional losses into account in the assessment.
Step 2
Filing a New Claim:
When you contact us before filing a claim with your insurance company, we help you document your claim for maximum benefit and help you avoid common mistakes while also preventing delays in the claims process.
Step 3
Reviewing Your Insurance Policy:
Once there is an assessment, we review your insurance policy to determine all applicable coverage. Remember that adjusters sent by your insurance company represent the best interests of the company, rather than working on your behalf to get the fair compensation you’re absolutely entitled to.
Step 4
We Prepare A Claim Report:
We prepare a claim report that meticulously documents structural damage and property inventory and bring in other experts as needed like appraisers, engineers and accountants to further validate your claim. We also document additional expenses, loss of rent and business income as covered by your policy. We then send total claim estimates to your insurance company for evaluation and adjustment.
Step 5
We Negotiate Your Settlement:
We stay in contact with your insurance company to ensure your claim is being handled, is adjusted fairly and results in the best possible outcome. We also advocate for you during inspections with the insurance company adjuster and keep you informed about the status of your claim throughout the process.
Step 6
We Help Maximize Your Settlement:
If you receive a settlement you don’t think is fair, we have the best advocates and loss experts to support and negotiate for you to ultimately receive the settlement amount you are entitled to under the policy. We provide a free claim evaluation and are paid only if we discover areas of under payment or items that were left out of your original insurance settlement. If we discover you were not properly compensated, we re-document and cross-reference every aspect of your loss and work with your insurance company to increase your settlement.
Why Homeowners and Businesses Choose Gavnat
- Licensed and experienced public adjusters
- Deep expertise in residential and commercial claims
- Proven results increasing payouts by thousands
- Transparent, client-first approach
Common Questions About Public Adjusters
View All FAQsAbsolutely. Even if you’ve received a settlement, we can review and often recover additional funds.
Document immediately—mass claims mean insurers are overloaded. Gavnat expedites your process.