After a flood, fire or other disaster, most homeowners do not have time or the energy required to document the property loss and negotiate a claim with the insurance company. Insurance companies know this, and can use the stress of a catastrophic event to their advantage when offering a settlement. Hiring a public adjuster can not only save time and stress, but also result in a higher settlement.
Insurance adjusters are hired by the insurance companies to evaluate the loss and trained to save the insurance company money by paying out as little as possible. Public adjusters are hired by the insured and represent them in the negotiations.