Why You Need a Public Adjuster

A public adjuster is a licensed insurance professional who represents you, not the insurance company, during the claims process.

While an insurance company adjuster evaluates damage on behalf of the insurer, a public adjuster:

• Reviews your insurance policy
• Inspects your property thoroughly
• Identifies visible and hidden damage
• Prepares detailed damage estimates
• Handles communication with the insurance company
• Negotiates for a fair settlement

The goal is to make sure your claim reflects the full scope of covered damage - not just what the insurer initially acknowledges.

Many homeowners are surprised when their insurance settlement is lower than repair costs. This happens because:

• Inspections are rushed or under-scoped
• Roof or interior damage is minimized
• Claims are labeled as wear and tear
• Depreciation is applied aggressively
• Certain repairs are excluded or denied

Even valid claims may be underpaid if they are not properly documented and supported.

Insurance adjuster work for the insurance company and are responsible for protecting the insurer's financial interests.

Public Adjusters work for you. Having your representation helps level the playing field.

Insurance Company Adjuster:

• Represents the insurer
• Limits claim exposure
• Manages many claims
• Works within the insurer guidelines
• Doesn't look for hidden damage

Public Adjusters:

• Represents the policyholder
• Maximizes covered benefits
• Focuses on your claim
• Advocates for full coverage
• Uses tools and thermal cameras to uncover hidden damage

You may benefit from a public adjuster if:

• Your claim was denied
• Your settlement seems low
• Only partial repairs were approved
• Roof replacement was denied
• Interior or water damage wasn't included
• The claim process feels confusing or overwhelming
• Repair estimates exceed the insurance payment

Even if your claim has already been paid, additional compensation may still be available.

A public adjuster adds value by:

• Conducting a detailed property inspection
• Identifying damage that insurance inspections miss
• Preparing accurate, professional estimates
• Ensuring coverage is applied correctly
• Submitting supplemental claims when appropriate
• Handling negotiations and disputes
• Reducing stress and time commitment for homeowners

The process is designed to protect your interests from start to finish.

No.

Public Adjusters typically work on a contingency fee basis, meaning:

• No upfront fees
• No hourly charges
• No payment unless additional recovery is obtained

If there is no increase in your settlement, you owe nothing.

Homeowners and property owners choose Rise Public Adjusters because:

• We represent policyholders only
• Licensed public adjusters
• Free claim reviews and inspections
• No recovery, no fee - ever
• Experience with complex insurance claims
• Clear communication and honest guidance

Our role is to ensure the insurance claim process is fair, transparent, and accurate.

Not every claim requires a public adjuster - but many homeowners wish they had one sooner.

If you're unsure whether your claim was handled correctly, a professional review can help you understand your options before making any decisions.