A public adjuster is a professional claims handler claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A Public Adjuster is your advocate and will guide you through the process. Help you understand your insurance policy deductible, coverages, exclusions, help you appraise and write and estimate for the the true value of your loss. They are experts at what they do. Once they prepare an estimate and other claim documentation they negotiate with the insurance company’s claims handler to help you receive the maximum settlement you deserve.