What is a public adjuster and when should I hire one?

A public adjuster is a licensed professional who works for you, not the insurance company, to assess damage and negotiate your claim. They are typically paid a percentage of your settlement, usually 10 to 20 percent. Consider hiring a public adjuster for large or complex claims, when the insurance company's offer seems too low, or when there is significant disagreement about the scope of damage. For small, straightforward claims, a public adjuster may not be worth the fee. Check their credentials and reviews before hiring anyone.