What is a Public Adjuster?


A Public Adjuster helps homeowners and business owners recover from disaster or damage to property. Public Adjusters are experts in preparing, managing and negotiating insurance claims, giving homeowners and businesses the resources they need to be in the best possible position for recovery.


Most states have enacted licensing for Public Adjusters to provide representation on behalf of the consumer. While “Independent” or Company Adjusters are representatives for an insurance company, Public Adjusters work only for policy holders, not for insurance companies.


Eastern Public is a property claims and risk management firm that knows what it takes to get businesses and homeowners back on their feet after a loss. We move quickly to help address immediate needs, handle all aspects of recovery through insurance claims, and provide consulting services to make sure businesses and homeowners are covered in the event of damage or loss. Most importantly, we help people get through the recovery process while protecting their interests, ensuring they have the resources and compensation they need for recovery.

When do you need a Public Adjuster?

The typical fire policy contains hundreds of provisions and stipulations - various forms and riders that are constantly changing and many complex details about your requirements in case of loss. Most people do not know or understand these policy provisions - and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced accredited public insurance adjuster rather than an inexperienced insured.


An accredited public insurance adjuster not only has your confidence, but also that of company adjusters who recognize that they are dealing with a professional.


In the event of a fire or similar destruction of property, does my insurance pay the entire loss?

This depends upon the type and amount of insurance you carry. It also depends on your expertise or the expertise of your representative, not that of the insurance company's adjuster. Many insurance policies may pay more than the amount shown on the declaration page. A qualified expert working for you can determine everything to which you are entitled.

Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured.


In the event of a loss, what steps should I take?

Promptly report the loss to the agent or broker, or directly to the insurance company - and immediately retain the services of an accredited public insurance adjuster to serve you.


Call Eastern Public today at (929) 999-4674.