Seeing your dream home go up in flames or sink into the depths like the Titanic is not something you will enjoy watching even in your wildest dreams. The trauma of property loss is further worsened by the cost involved in recovering the damaged property, leaving you in a sheer desperate state while filing your claim to the insurance company for damages incurred.

This is when the role of public adjusters comes into play. When insurance policy holders face damages to their insured infrastructure and housing as a result of flood, hurricane, tornado, earthquake, fire, pipe-burst, molding and similar calamities, public adjusters extend their support by keeping the best interest of the insured in mind.

Public Adjusters are licensed advocates who legally represent insurance policy holders and help them in appraising and negotiating property insurance claims. They belong to that class of insurance claims adjusters who are hired by the insured, unlike staff adjusters or independent adjusters who are employed by the insurance company.

Insurance claims adjusters hired by insurance companies often protect their interests and their shareholder profits, instead of lending a helping hand to the insured. Insurance claims adjusters gather and analyze information about various insurance claims and attempt to determine the legitimacy of a claim, deciding whether or not an incident should be covered under a specific insurance policy. It is the public adjuster who then negotiates compensation terms on behalf of the claimant.

Insurance is a complicated business. Often, a majority of the policy holders are unable to file their claim to the insurance companies without running the risk of getting no settlement at all. Insurance claimants who hire public adjusters run a better chance of obtaining compensation from insurance companies for damages incurred on their insured property.

Reputed public adjusters or public adjusting firms have the competence and expertise to effectively maximize claim recovery by negotiating a maximum settlement on behalf of the client. A public adjuster will be in a better position to work out claims and rectify claim discrepancies and secure settlements higher than what a typical policy holder would have been able to recover on his/her own.

The service offered by reputed public adjusters includes evaluation of existing insurance policies to determine what claim coverage is applicable, determining the values of covered losses, negotiating settlements with the insurance company on behalf of the insured and of course, recommending future improvements on the insured's policy. Public adjusters or public adjusting firms also extend their service in re-opening claims and re-negotiating damages if discrepancies were discovered after the claim has been settled.

There are quite a few licensed public adjusting firms in the United States who are noted veterans in Public Insurance Adjusting and have been assisting clients with various property damage claims. For a public adjuster, obtaining the most favorable claim adjustment for clients is their top-most priority. Check out those public adjusting firms whose average insurance settlements are within the range of 50 percent to 250 percent more than the initial insurance offer.