When disaster strikes, many homeowners struggle to navigate insurance claims. Hiring a public adjuster near me in Chicago can make the process smoother—but misinformation often stands in the way. Let’s break down ten common myths and what’s actually true.
1. Public adjusters are too expensive
False. Most public adjusters work on contingency, meaning they only get paid if you get paid. Their fee is a small percentage of your settlement and often results in a higher payout overall.
2. They delay the claim process
Another myth. In reality, a public adjuster organizes documentation, negotiates efficiently, and keeps the claim on track. Delays usually happen when policyholders or insurance companies are unprepared.
3. Hiring one increases your insurance premiums
Your premiums don’t rise simply because you hire representation. Premium changes are based on claim history, not on whether a public adjuster helped you.
4. Insurers will cancel your policy if you hire one
Insurance companies can’t legally drop you for using a public adjuster. It’s your right to seek professional help with your claim.
5. Public adjusters commit fraud
Licensed public adjusters are regulated professionals. They follow strict codes of conduct and risk losing their license if they act unethically.
6. They’re the same as lawyers
A public adjuster focuses on claim preparation, valuation, and negotiation. Lawyers handle litigation. Both roles can complement each other but aren’t the same.
7. Anyone can call themselves a public adjuster
Not true. Each state requires licensing, exams, and continuing education. Always verify credentials before hiring.
8. The insurance company adjuster works for you
They don’t. The insurer’s adjuster protects the company’s bottom line. A public adjuster advocates for you, ensuring you get what your policy truly covers.
9. They only handle large claims
Public adjusters handle claims of all sizes. Even moderate losses—like roof leaks or water damage—benefit from professional oversight.
10. They never offer free consultations
Most public adjusters do. A no-obligation consultation helps you understand whether your case is worth pursuing.
Misinformation costs homeowners millions every year. Don’t let these myths stop you from hiring a public adjuster who can protect your interests and maximize your settlement.
