By Paul L. Gutjahr | Absolute Claims Advocates
Licensed Public Adjuster | 30+ Years of Experience
When your property is damaged by storm, water, fire, or wind, filing an insurance claim feels like the natural next step. But most policyholders quickly realize that insurance companies aren’t on their side—they’re protecting their own profits.
That’s where a public adjuster becomes your most valuable ally.
💡 What Is a Public Adjuster?
A public adjuster is a licensed insurance expert who works for you—not the insurance company. While the insurer’s adjuster is focused on saving the company money, your public adjuster focuses on maximizing your settlement and ensuring every part of your loss is covered.
✅ Why It Matters: With vs. Without a Public Adjuster
| Situation | Without a Public Adjuster | With a Public Adjuster (ACA) |
|---|---|---|
| Initial Insurance Offer | Often low, rushed, or incomplete | Reviewed, negotiated, and increased |
| Damage Assessment | Limited inspection, missed areas | Full inspection, drone photos, 3D scans |
| Claim Paperwork | You handle it alone | We handle every form and follow-up |
| Negotiations with Insurer | You're outmatched | We speak the language, negotiate on your behalf |
| Stress & Time | High — dealing with delays, denials, doubts | Low — we take over the process |
| Final Payout | Often 30–70% less than deserved | Frequently much higher—up to 747% in some studies |