Why Hire a Public Adjuster?

Four Reasons to Hire a Public Adjuster

Public Adjuster Representation Typically Resulted In Larger Payments

Reason 1:  Data in Florida that shows the use of a public insurance adjuster typically increases the final amount of the claim payments.  Several insureds have explained that, if not for the assistance of their public insurance adjuster, they would not have received the amount of their claim payment for their loss.

Reason 2: The PA is paid a percentage of your recovery . Many public adjusters who assist claimants are paid on a contingency fee basis only, meaning, the insured is not paying an hourly rate for the services or having to pay any money for the services to begin. When an insured pays a public adjuster a small percentage of the claim payments collected by the PA or ultimately recovered, the PA can get started helping right away and should work diligently because they have a desire to see you get properly paid for your claim so that they receive payment for services.

Reason 3: The Grief, Stress and Confusion of the Claim caused to policyholders is not necessarily caused by the insurance company’s actions but by the traumatic loss itself.  No one doubts that damages to a property causes stress and grief. These difficulties are only compounded when a claim is not properly handled or more importantly, documented  and the insured feels the insurance company is not standing behind the promises in the policy.  Because a claim can be emotional and burdensome for insureds, many policyholders hire ICRS to deal with their claims which includes the preparation of a proper claim file on their behalf as well as remove the emotional and time burdens.

Reason 4:  There is a significant difference between a contractor and a Public Adjuster.  A contractor is a vendor and a Public Adjuster is an agent for the insured.  

Insurance companies and their adjusters know contractors are not authorized to represent policyholders in claims negotiations.   Be aware, in the eyes of the insurance claim market, it is widely recognized that a Contractors are Vendors and a Public Insurance Adjuster are Agents for the insured.  See TDI commissioner’s bulletin #B-0017-12.  Understanding the roles and boundaries of team players can make a significant difference in your claim experience.

As an agent of the insured policyholder, public adjusters have the authority under property Texas Insurance Code 4102 “act on behalf of an insured in negotiating for or effecting the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property.”   A public adjuster advocates for the policyholder in documenting damage, appraising value, interpreting policy and negotiating insurance claim settlements.  

The Texas Department of Insurance urges all insurers, agents, adjusters, and consumers to help call attention to and halt attempts by unlicensed persons to negotiate insurance claims and perform acts that would require them to hold a public insurance adjuster license.  These unauthorized practices are to be reported to the Texas Department of Insurance Fraud Unit (1-800-252-3439 – Report Fraud).  The Insurance Code provides for both civil and criminal penalties for violating this licensing requirement.

–  A roofing contractor in Texas may not act as a public adjuster or advertise to adjust claims for any property for which the contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter.

–  An insurance adjuster licensed in Texas may not adjust a loss related to roofing damage on behalf of an insurer if the adjuster is a roofing contractor or otherwise provides roofing services or roofing products for compensation, or is a controlling person in a roofing-related business.

–  A roofing contractor may not act as an adjuster or advertise to adjust claims for any property for which the contractor is providing or may provide roofing services, regardless of whether the contractor holds a license under this chapter.

–  Additionally, insurers cannot utilize roofers as de facto public insurance adjusters nor provide commissions to them in the form of direct or indirect payments or rebates that are in excess of amounts owed under the policy.  Per Texas Department of Insurance COMMISSIONER’S BULLETIN #B-0017-12

Negotiating insurance claims without a public adjusters license is considered the Unauthorized Practice of Public Adjusting.  UPPA occurs when “an individual acts on behalf of or aids in any manner an insured for compensation in the negotiation, adjustment and settlement of coverage and claim benefits in a first-party context without being licensed and under the jurisdiction of the relevant state’s department of insurance].” UPPA is basically when a contractor represents an insured in claims negotiations.


Public Adjusters exist because of the inherent conflict of interest that exists when one person or entity attempts to represent two sides of a financial transaction…YOU and YOUR INSURANCE COMPANY.iStock_000012106828Small

If you have suffered a property loss to your home or business, please consider hiring ICRS to assist with your insurance claim.   Our terms are based on a contingent percentage on the recovery of your claim, we will work to increase the amount of the payment you are rightly owed from the insurance claim. Further, we will take over dealing with the insurance company and save you time and relieve part of your stress.

Protect Your Property. Protect Your Finances. Protect Your Rights.

Claim Intake Form: Please provide as much information as possible. Upon receipt, we will email you our contingency, no recovery, no fee agreement.
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    I am a commercial or multifamily policyholder who is not represented by any other party. I am not filing the same claim more than once for which I was previously indemnified without performing repairs. I understand that by furnishing my claim info for a free insurance claim review does not constitute an agreement that my interests are being represented by ICRS nor is ICRS providing legal advice.