Frequently Asked Questions

One of the most important things that your public adjuster can do is give you the information you need to make an informed decision. If you have questions about your insurance claim, Rubin Adjusting has the answers you need.

What is a Public Adjuster?

When you file a claim with your insurance company, they assign an adjuster to handle your claim. These adjusters are employees of the insurance company and are incentivized to minimize the amount that the insurance company pays on claims. As a result, they often propose settlements that are insufficient for you to repair to pre-loss condition and far less than the coverage you are entitled to receive.

By contrast, a public adjuster is an insurance adjuster who is hired by, works on behalf of, and advocates for the property owner rather than the insurance company. We do not answer to the insurance company and are incentivized to maximize the property owner’s recovery. Our duty is to you, and we use our extensive knowledge and experience to build the most favorable claim for you. Public adjusters bring balance to a one-sided process that otherwise does not favor the property owner, and our job is to make sure you reach the highest possible settlement in the least amount of time.

When Should I Hire a Public Adjuster?

The short answer to this question is the sooner you hire a public adjuster, the more likely it is that you will get maximum value for your claim. That said, you should consider hiring a public adjuster if you experience any of the following:

  • You are experiencing delays in the processing of your claim
  • Your insurance company is refusing to pay fair value for your claim
  • Your insurance company has ignored specific damages or have told you they are not covered
  • You are facing possible uncovered losses beyond your deductible
  • You have questions about your claim, and your insurance company is not providing answers

A public adjuster’s expertise is especially important if you have experienced a devastating loss like a home fire. In a stressful and uncertain situation, it is the public adjuster’s job to guide you through the claim process and confidently negotiate with the insurance company. We know how and when to push for a higher settlement.

How Does a Public Adjuster Get Paid?

A public adjuster is paid a percentage of the settlement they negotiate for the policyholder. Before hiring a public adjuster, you should discuss the amount of the percentage and how that amount will be calculated. Do not be embarrassed to have this conversation – a good public adjuster understands that every dollar counts. The good news is that public adjusters typically obtain settlements for their clients that are significantly higher than the property owner would have otherwise received.

We will only take on your claim if we can provide significant value to you, and we get paid when you do.

Get the Answers You Need Today and Call Rubin Adjusting

We have over 5 decades of experience in helping property owners get the compensation they need to restore their homes and businesses. Highly responsive and laser-focused on getting you the best result, our team works tirelessly to get you full value for your claim as quickly as possible. If you have suffered property damage and want someone on your side, call or email us to schedule a free consultation to discuss your claim and what we can do for you.