Public Adjusters vs. Claim Attorneys

When your insurance claim isn't resolving in your favor, you have professional options. Public adjusters and insurance claim attorneys serve different functions. Knowing which applies to your situation saves money.

What public adjusters do

Public adjusters work for the policyholder (you), not the insurance company. They re-evaluate the damage, write their own scope, and negotiate with the carrier's adjuster on your behalf. They typically charge a percentage of the increased settlement they secure — commonly 10 to 20 percent in California.

When to hire a public adjuster

Mid-five-figure to seven-figure losses where the carrier's initial offer is significantly below your expectation. Complex claims with multiple components (structural, contents, ALE). Situations where you don't have time or expertise to manage detailed negotiation. Public adjusters are typically not worth their fee on small claims under $20,000.

What insurance attorneys do

Attorneys represent you in disputes that may need litigation. They can negotiate with the carrier, file complaints with the Department of Insurance, or sue if necessary. Bad faith claims (where the carrier acted in bad faith handling your claim) can produce substantial settlements above the policy limit.

When to hire an attorney

Claim has been denied outright on questionable grounds. Carrier has acted in bad faith (refused to investigate, made knowingly low offers, missed legal deadlines). Lawsuit may be necessary to enforce the contract. Attorneys typically work on contingency for these cases — 30 to 40 percent of the recovery.

Verifying credentials

California public adjusters are licensed by the Department of Insurance. Verify the license at the CDI website. Attorneys are licensed by the California Bar Association — verify there. Be cautious of anyone who solicits you door-to-door after a disaster, especially in declared disaster zones.