What is an insurance adjuster?
There are two types of adjusters licensed by the Insurance Department, independent and public.
An Independent Adjuster handles claims on behalf of an insurance company. This person receives either fees or compensation from the company for which he/she is hired to review (adjust) claims.
A Public Adjuster is hired by the claimant to evaluate the loss and negotiates a loss payment on his or her behalf with either the insurance company or its adjuster. The Public Adjuster's fee is based on an agreed percentage of loss, limited to twelve and one half percent (12.5%), and must be listed in a signed agreement.
Homeowners Insurance Resource Center - What to Do After a Loss
Information on what to do after a loss