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After the claim is filed, we usually meet the insurance company’s adjuster at the property so we can all be on the same page about what happened and what damage exists. This ensures noting gets missed, and allows us to get pictures and measurements for our estimate.
As licensed public adjusters, we work to hold the insurance company accountable to ensure you receive the maximum coverage stated in your policy.
When we have finished our estimate and the insurance company finishes theirs, we compare and negotiate to ensure you get enough for the correct material. We make sure if you had high quality carpet, it gets replaced with high quality carpet and not standard.
We also coordinate vendors that will be helping to put your property back to pre-loss condition. We will be your point of contact, coordinating all of the contractors making sure the claim goes smoothly as possible.
If your Property has been affected by fire, smoke, tornado, water, hail, wind, trees, mold, and/or another covered loss, you don't have to navigate the claim alone.
A quick consolation can help you understand your next steps.
Think of it the same way you would hiring a CPA for your taxes, an attorney for legal issues, or a doctor when you’re sick. When the stakes are high, bringing in a trained expert is simply a smart financial decision.
"I'm really happy with the services I received from Swift public adjusters. They were professional, attentive, and exceeded my expectations. Their expertise helped me get a fair settlement for my claim."
Emily T.
"I had a great experience with Swift public adjusters. Their team was professional and efficient in handling my claim. They provided excellent customer service throughout the process. I highly recommend their services."
Chris M.
"Absolutely amazing to work with. The whole team did a great job in handling our claim for our townhome association."
Thomas W.
"The folks at Swift understand the importance of ensuring their adjusters are properly credentialed in the states they do work in so that allows them to focus on their clients recovery. Top notch firm indeed!"
Elaine G.
Answering your key questions about Public Adjusters
What is a Public Adjuster?
A Public Adjuster is a state-licensed claims professional who represents policyholders only—never insurance companies. Their role is to prepare, document, present, and negotiate insurance claims on your behalf. By working independently from insurers, they ensure your rights and financial interests are fully protected throughout the claims process.
I am already working with my insurance carrier's adjuster, can I still get help from a public adjuster?
Absolutely! This is one of the most common situations.
Your insurance company’s adjuster works for the insurance company and is obligated to protect their financial interests. A Public Adjuster works exclusively for you, ensuring your interests and not the insurance carrier’s—drive the claim process.
What is the difference between an insurance adjuster and a public adjuster?
The key difference is who they represent:
Insurance company adjuster: Represents the insurance company
Public Adjuster: Represents you, the policyholder
Additionally, most states require distinct licenses for:
- Staff/company adjusters
- Independent adjusters
- Public adjusters
- Insurance consultants
Licensed adjusters must disclose who they represent, how they are compensated, and any conflicts of interest—ensuring transparency in the claims process.
Is my insurance claim too small?
Possibly. For small property claims and most auto claims, the value we can add may be limited due to percentage-based fee structures. The claim size must make economic sense for both you and the adjuster. If the claim is modest, you may not need a Public Adjuster at all.
When in doubt it is best to have a licensed Public Adjuster review your claim to determine if hiring a Public Adjuster is beneficial for your claim.
Our Licensed Public Adjusters work for the policyholder, not the insurance company.
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