Why the Public Needs Public Adjusters

A public adjuster works with clients in an office.
A public adjuster helps clients with a claim.

An Expert on Your Side

When it comes to insurance claims, the typical consumer may not have much knowledge or experience on how to reach a fair settlement with an insurance company. When an insurance company’s adjuster arrives on the scene, the claimant may feel that the adjuster is trying to help them collect as much money as possible from the claim.

But the adjuster works for the insurance company, not the claimant, and may try to save the company money with a lower adjustment than the claimant was expecting or needing to make necessary repairs or replacement.

Consumers need someone on their side to help them get a fair settlement and represent them in the legalities of a claim. That’s where public adjusters come in.

A public adjuster is hired by the policyholder, not the insurance company. Their job is to represent the policyholder in the appraisal and negotiations of the claim. Unlike adjusters hired by the insurance company, public adjusters can legally represent the policyholder during the claims process.

Payment for the public adjuster is made by the policyholder at terms agreed to before work begins. It can be a flat fee, or it can be a percentage of the settlement. In many cases, they don’t get paid if the policyholder doesn’t get paid.

License & Bond Requirements

Alabama, Alaska, South Dakota and Wisconsin are the only states that do not have licensing regulations for public adjusters. Although each state has different requirements, all other states have requirements for licensing and education. Licensing in a particular state only allows a public adjuster to practice in that state. But reciprocity agreements between states allow a public adjuster to practice in another state without taking the state’s examinations or education requirements if their home state allows the same for non-resident public adjusters.

While most states require licensing, only half of the states require public adjusters to obtain a surety bond before they can be issued a license. A bonded public adjuster comes with a guarantee to their clients that they will conduct business honestly while complying with each state’s insurance statutes.

How To Obtain a Surety Bond

If you are a public adjuster and you need a surety bond, contact SuretyGroup.com. We are licensed to write all surety bonds in all 50 states, including public adjuster surety bonds.  The premium you pay depends on various factors including your state’s bond amount. Call our Surety Bond Experts today at 844-432-6637 for a free, no-obligation quote, and we’ll work hard to find you the lowest rate possible.


SuretyGroup.com – Your Online Bond Provider.

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