Common Misconceptions About Public Adjusters Debunked
Insurance claims can feel like a maze. Unfortunately, myths about public adjusters often steer people off course. Let’s knock down those falsehoods and shed light on what public adjusters really do to help you.
Myth 1: Public Adjusters Only Handle Huge Claims
Reality Check: That is not true.
Many people think adjusters only step in during disasters like hurricanes or multi-million-dollar losses. In reality, they are equally valuable for smaller incidents such as burst pipes, roof leaks, or minor fire damage. Their expertise ensures overlooked damages are included and fairly compensated, even in more modest cases.
Myth 2: You Can Rely on Your Insurance Company’s Adjuster
Reality Check: Insurance company adjusters work for the insurer, not for you.
Their priority is protecting the company’s bottom line. A public adjuster, on the other hand, advocates for you. They carefully review your policy, document damages in detail, and negotiate to make sure the claim reflects your actual losses.
Myth 3: Hiring a Public Adjuster Slows Down the Process
Reality Check: The opposite is usually true.
Bringing in an experienced adjuster early can make the process smoother. They know how to prepare claims correctly and manage documentation in a way that avoids common delays. This prevents mistakes that could otherwise give the insurer reasons to stall.
Myth 4: Public Adjusters Inflate Claims
Reality Check: Ethical adjusters do not exaggerate numbers.
Reputable professionals build evidence-based claims and only pursue compensation that aligns with the damage and the policy coverage. Inflating a claim would jeopardize their license and reputation. Their goal is fairness, not fraud.
Myth 5: Hiring a Public Adjuster Will Increase Your Premiums
Reality Check: Premiums rise because of claims, not because you hired help.
Whether or not you bring in a public adjuster, filing a significant claim can influence future premiums. Their involvement does not trigger any penalties, nor does it threaten your coverage.
Myth 6: Public Adjusters Are Not Regulated
Reality Check: They are licensed and monitored.
Most states require strict licensing exams, continuing education, and bonding before someone can work as a public adjuster. Violating professional standards can result in penalties or loss of license. Oversight ensures accountability and professionalism.
Myth 7: Public Adjusters and Attorneys Are the Same
Reality Check: They serve different roles.
Public adjusters focus on policy interpretation, damage assessment, and settlement negotiations. Attorneys step in when claims escalate into lawsuits or require legal action. While they may work together at times, they bring very different skills to the table.
If you’re unsure about the differences, this guide on the roles of an attorney vs. a public adjuster breaks it down clearly.
Myth 8: You Cannot Hire a Public Adjuster After Filing a Claim
Reality Check: You still can.
Even if your claim is already in motion, a public adjuster can review the documentation, identify missed damage, and negotiate revisions. This is especially helpful if the insurer’s offer is lower than expected.
Myth 9: Public Adjusters Only Care About Their Fee
Reality Check: Their motivation is tied to your outcome.
Most public adjusters work on contingency, which means they only get paid if you receive a payout. Their financial incentive is directly connected to maximizing your settlement. This alignment encourages them to push harder for your best result.
Why Busting These Myths Matters
Getting the right support early can make or break your claim. Misconceptions cost people money, time, and peace of mind. A public adjuster is not your adversary. They are your advocate, negotiator, and expert, ensuring your claim is handled fairly and completely.
How We at Avner Gat, Inc. Stand With You
At Avner Gat, Inc., we have over twenty years of experience helping policyholders in Los Angeles with claims of every size. If myths are holding you back or if you feel overwhelmed by the process, we can step in and simplify everything.
- We represent your interests, not the insurer’s.
- We charge nothing unless you receive a payout.
- We make sure the process moves forward without unnecessary delays.
- We can get involved at any stage, even after a claim is filed. (FYI: We don’t get involved in denied claims.)
Ready to Get Real Support?
Do not let misconceptions prevent you from getting the settlement you deserve. Call us at (818) 917-5256 for a free consultation. At Avner Gat, Inc., we are ready to fight for your claim and make sure you are treated fairly.
