Reviewed and updated October 23, 2026.
You can report a property insurance claim yourself. A public adjuster is another option when you want professional help documenting damage, reviewing estimates, and communicating with your insurance company. Here are the main services to consider when deciding whether to hire one.
Representation for the Policyholder
A public adjuster works for you, rather than the insurer. The role is to prepare and present a supported claim based on the damage and your policy.
Damage Documentation and Estimates
A public adjuster can organize photographs, measurements, inventories, repair estimates, and other evidence. This can help identify damage or costs that an initial estimate may not address.
Help With Claim Requirements
An adjuster can help track document requests and explain the information needed to support the claim. You still need to provide accurate records and meet applicable policy requirements.
Communication With the Insurer
Your adjuster can coordinate inspections, present supporting records, and follow up on questions about the claim. Clear communication can reduce the administrative work you manage while arranging repairs.
Review of Settlement Differences
When estimates differ, a public adjuster can examine the reasons and present additional support. No particular settlement amount or increase is guaranteed.
Support Throughout the Process
A coordinated claim record helps keep inspections, estimates, correspondence, and outstanding requests organized. Ask how your adjuster will keep you informed and who your main contact will be.
Understand the Fee Before You Hire
Public adjusting is a paid service, commonly compensated through a percentage of the claim payment. Review the written agreement, fee calculation, and applicable conditions before signing. Hiring an adjuster is a decision to evaluate, not a risk-free guarantee of a better outcome.
Discuss Your Claim With Hillis
Contact our team for a free consultation about the damage, the status of your claim, and the support you may need. We can explain our services and agreement so you can make an informed decision.
