Public Insurance Adjusters, sometimes called Private Insurance Adjusters, are highly trained and very experienced property insurance claims specialists and experts who represent the insured policyholder only, on a claim against an insurance company .

Public Insurance Adjusters are regulated, licensed and bonded by the Florida Department of Financial Services (FDFS), the arm of the Florida Government which regulates and monitors the insurance industry in Florida.

A study by an independent office of the Florida Legislature has determined that policyholders who retain a Public Insurance Adjuster, on average, receive payments over seven times the amount the insurance company wanted to pay the settle the claim.

Stated another way, a Public Insurance Adjuster achieves for his or her Client a settlement which the insurance company promised to pay when they sold their policy, but which they tried to avoid when a claim was filed.

A Public Insurance Adjuster makes the insurance company stand by its promises, using his or her expertise, experience, and negotiating skills to achieve the settlement the Client deserves.

Insurance companies have their own adjusters, or hire an "Independent Adjuster" who, by Florida law is not "independent" but represents the insurance company. These adjusters are trained to keep claim payments as low as possible.