Everything's falling in,'" said Ray. Public adjusters work in your best interest instead of the insurance company. An ethical public adjuster will welcome the relationship and happily converse with the agent as time allows; an unethical one will avoid agent involvement and any conversation with another insurance professional working for/with the insured. Hurricane Sandy ripped part of the roof off Donna and Ray Taylor's home. Using bleach won't work ether. To separate good contractors from bad contractors, we recommend asking the following questions: Public adjusters provide a valuable service to homeowners in need. This is not an ethical consideration, but the actual adjuster and the sales person may have very different personalities. For example public adjusters in Florida are not allowed to charge more than 20% of the final fee in a situation that isn't declared a disaster, and not more than 10% if it has been declared a disaster. You know how the public adjuster industry works. Work hard and expect them to screw you. There are both complaints and compliments about this company on this site. Public adjusting firms often have very persuasive (or sometimes crooked) sales teams who depend on your insured not knowing or understanding the differences among the various types of adjusters. Also, is the sales person just a sales person or do they understand coverage and the claims process? Provide the service they need even if they dont yet see the need. It is the same compensation as Keller Williams reality actually, one of top 3 realtors nationwide. As the agent, you may want to give your clients a cheat sheet to help them understand the differences. Public adjusters can assist you in determining whether or not you have a case. As a former field adjuster I know how the Insurance companies are and they don't like to pay, however Metro got my claim settled and I received every penny I deserved. They take the insurance money and leave town, for example, or complete the job to a poor level of quality while still taking the full insurance payout. At the very least, conduct a thorough internet search for the contractor or public adjuster. These are 5 of theBIGGESTand mostOutrageousmyths about Public Adjusters that weve heard: 1.) Most people and business owners rarely think of all the risks they face. They offer expertise in preparing, filing and adjusting insurance claims. (Example: You fell asleep with a cigarette in your mouth and subsequently burned your house down.). This is one of the worst experiences with a company I have ever had. Public adjusters charge up to 10% of your final settlement amount.