How claims really work
— and why alignment matters
When disaster hits your property, you are not dealing with one process — you are dealing with a room full of people, and almost none of them are working for you.
Sold the policy, no authority over the claim
Your insurance broker sold you the policy. Once a claim happens, they have zero real authority over it, and stepping in to help can slow things down or work against you.
Paid by the insurance company. Not you.
The adjuster assigned by your insurer — whether a staff adjuster, a CAT adjuster, or an independent adjuster — is paid by, and works for, the insurance company. Not you.
Volume, not care, is what gets rewarded
CAT adjusters in particular are often paid on volume. A CAT adjuster who closes 10 claims a day cannot scope your damage as thoroughly as someone handling one claim with real care, and a rushed scope tends to find less damage — which means a smaller payout. That is not a personal failing. It is the incentive built into how they are paid.
Fights for you, but doesn't build the number
An attorney can fight for you, but an attorney does not produce a damage estimate. They defend or negotiate around a number that already exists. They react to the claim, they do not build it.
The only one trained to do the technical work
A public adjuster is the only person in the entire process trained to do the actual technical work: scoping the damage and producing the estimate that determines what your claim is really worth. That is the piece nobody else does, and it is why relief organizations bring public adjusters onto their teams.
Paid from the extra recovery, not your repair money
The fee does not come out of your repair money. A public adjuster's fee is paid from the additional amount they recover — the gap between what the insurer would have paid on its own and what you are actually entitled to. Your repair funds stay intact.
See the verified disaster records tied to your own address before you talk to anyone in that room.
Search verified events →Ready to hire the right professional? Every listing traces back to that state's own regulator record, not a paid placement.
Browse Public Adjuster Directory → Browse GC / Roofing Directory →