What a Public Adjuster Can Do for Your Insurance Claim

seo7600
Jun 24
3 min read

Updated: Jun 25

If you live anywhere in Canada, you are probably familiar with the ever more common ice and snow storms that are happening every winter. Last march, hundreds of thousands of Canadians suffered from power outages during an ice storm that affected Ottawa, parts of Quebec, and Ontario (including New Brunswick).

However, a power outage was the best case scenario during the storm. Some people were more unfortunate than others and suffered from burst pipes, downed trees crushing their houses or streets or worse.

People called their insurance companies to assess the damages and get the solutions they needed. However, as so many people were victims of this type of disaster, it strains insurances' margins, which pushes them to assign smaller payouts or in the worst case, deny them all together.

It’s understandable if reading this makes you a little anxious. You might wonder, “What if this happens to me?” Or worse, “What can I do if my insurance claim is denied?”

The good news? You’re not alone—and not out of options. That’s where public insurance adjusters come in.

What Is a Private (Insurance Company) Adjuster?

When you file a claim with your insurer (for example, a vandalism insurance claim, flood insurance claim, or windstorm claim) they send out a private or “independent” adjuster. But here’s the catch: they work for the insurance company.

What Is a Public Adjuster?

A licensed public adjuster, on the other hand, works for you. They’re your advocate, not your insurer’s. Their job is to evaluate your damages, prepare your case, and negotiate to maximize your payout.

What’s the Role of a Public Adjuster?

Now that we have told you about the two types of adjusters, let us tell you exactly what a public adjusting firm does. As we mentioned, public adjusters’ purpose is to be your ally during a difficult time when you have to file (and fight) a claim.

How Does a Public Adjusting Firm Work?

In short, the process of working a public adjuster is the following:

Initial Evaluation: A licensed public adjuster reviews your case. At ClearClaim, we offer this consultation for free.
Strategic Planning: Licensed public adjusters explain your best options, based on policy details and claim circumstances.
Claim Rebuild: Whether it's overturning a denied claim or challenging a low payout, a good public adjuster creates a detailed strategy and documentation.
Negotiation & Resolution: They represent you to your insurance company, ensuring your claim stands up to scrutiny and gets you the maximum settlement.

For example, after a major ice storm, you may call a storm damage public adjuster. We’ll assess the damage, gather evidence, and build a claim that’s impossible to ignore.

What Are the Main Benefits of Hiring a Public Adjuster?

A public adjuster’s role extends well beyond simply helping restores your property. At ClearClaim, we believe our job is also to help you reclaim stability, security, and peace of mind during one of the most stressful times of your life.

Here are three reasons you should hire a public adjuster:

Maximized Settlements: Public adjusters are trained to spot undervalued damage, hidden losses, and overlooked policy coverage. We catch hidden damage and underpaid claims that insurers miss—ensuring you get every dollar you're entitled to.
Time and Stress Savings: Navigating the claim process can quickly become overwhelming. We handle the paperwork, follow-ups, and pushback—so you can focus on getting your life back.
Expert Advocacy When You Need It Most: Insurance companies have their own adjusters. Insurance companies have professional adjusters. Now, so do you. We even the playing field and fight for what’s fair.