What is a Public Insurance Adjuster?

A public insurance adjuster is a helper who works for people who have insurance when their home or property is damaged. They talk to the insurance company and make sure the person who owns the house gets the right amount of money to fix the damage. They do not work for the insurance company; they only work for the person who owns the insurance.

What a Public Insurance Adjuster Does

When your house is damaged, it can be hard to figure out how to ask the insurance company for money to fix it. A public adjuster looks at the damage, helps you fill out the paperwork, explains your insurance policy, and talks to the insurance company to get you the best payment possible. They want to make sure nothing is missed, so you get enough money to repair everything that was damaged.

How to Become a Public Insurance Adjuster in Florida

If you want to be a public adjuster in Florida, you need to:
Be at least 18 years old.
Take a special 40-hour class about insurance rules and how to be an adjuster.
Pass a state test to get a license.
Apply for a license and pass a background check.
Have some experience, like working for six months as an apprentice.
Keep learning to stay licensed and follow the rules.

How It Works in Other States

Most states let people become public adjusters if they follow similar steps—taking classes, passing tests, and getting licensed. But some states do not allow public adjusters at all. In places like Alabama, Alaska, and Arkansas, only lawyers can help with insurance claims because they don’t allow public adjusters.

Why You Might Need One

If you have a big or complicated insurance claim, hiring a public adjuster can save you time and help you get more money. They understand the tricky rules and paperwork that come with insurance claims, so they can help make sure you are treated fairly. This is why many people choose to hire a public adjuster when their property is damaged—they work just for you to get the best deal possible from the insurance company.

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