Public insurance adjusters can be valuable when dealing with a complicated insurance claim. However, many hesitate to hire one due to several common myths surrounding their services. It would be beneficial to dispel some of the most widespread misconceptions about public adjusters.

7 Myths About Public Insurance Adjusters Debunked

Myth #1: Public Adjusters Are Too Expensive

The idea that public adjusters charge too much for their services is among the most pervasive fallacies about them. Public adjusters do indeed charge a fee for their services. But it is crucial to remember that their experience frequently leads to a substantially greater insurance payout. 

Additionally, many public insurance adjusters work on a contingency fee basis. This means they only receive payment if the insurance claim is successful. Those who want to avoid paying upfront costs may find this appealing.

Myth #2: Public Adjusters Are Unnecessary If You Have Insurance

Although your provider will have a separate adjuster, they aim to reduce the amount paid to you. However, a public adjuster is on your side. They will fight for a fair and correct settlement from your insurance provider. This can be crucial if your claim is complex or your provider attempts to postpone or reject it.

Myth #3: Public Adjusters Are All the Same

Not all public adjusters are the same, with various backgrounds and levels of experience. Therefore, it’s best to research and find a public adjuster with the most reviews and experience relevant to your specific type of insurance claim.

Myth #4: Public Adjusters Cannot Do Anything That You Cannot Do Yourself

Indeed, you can submit an insurance claim on your own. But a public adjuster has expertise and experience interacting with insurance providers. They can guide you through the challenging insurance claim procedure. This will guarantee accurate documentation of your claim and expert representation in negotiations with your provider.

Myth #5: Public Adjusters Are Only for Large Claims

Some people believe that public adjusters are only helpful for large claims. However, even small claims can benefit from the expertise of a public adjuster. They can support you in getting a fair settlement by ensuring proper claim documentation and negotiating with your provider.

Myth #6: Public Adjusters Will Take Over Your Claim

Another myth is that public adjusters will take over your claim and make all the decisions. In reality, a public adjuster advises you and assists you in navigating the insurance claims process. The ultimate determination is yours, but they will work with you to ensure you get a fair and accurate settlement.

Myth #7: Public Adjusters Are Not Regulated

Finally, some people assume that public adjusters are not regulated. While regulations vary by state, most states require public adjusters to have a license and follow specific guidelines. It is essential to check the regulations in your state before hiring a public adjuster.


Many myths surrounding public insurance adjusters can prevent you from utilizing their services. Researching and understanding the benefits of hiring a public adjuster is best, as they can often result in a significantly higher insurance payout. Remember that a public adjuster is working for you to ensure you obtain fair compensation from your insurance provider.