A public adjuster is an insurance claims adjuster who advocates for the policyholder. Adjusters are licensed as professionals with the state Department of Insurance and are the only adjusters who can legally represent the rights of an insured during an insurance claim process. We accurately appraise the damage, prepare estimates and other claim documentation, review the policy to determine coverages, and meet with the insurance company's adjuster to get the property owner the biggest possible settlement. Even though public adjusters have been around for 125 years, most people are not familiar with them and what they can do.