Public Adjuster vs. Insurance Adjuster

By the PublicAdjusterInCT editorial team. Updated September 29, 2026. How we write

Who Does Each Adjuster Work For?

Insurance company adjusters and independent adjusters work for the insurer. A public adjuster works for you, the policyholder, and is paid from your settlement. An attorney handles legal disputes over coverage or bad faith, which a public adjuster can't.

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By checking this box and clicking “Request my free review,” I give my express written consent for [Licensed Public Adjuster Firm LLC], a public adjuster licensed by the Connecticut Insurance Department, to contact me about my property insurance claim at the phone number and email I entered, including calls and texts made with automated technology or prerecorded messages. Consent is not a condition of any purchase or contract. Calls are made between 9 a.m. and 8 p.m. Message and data rates may apply. Reply STOP to opt out of texts. Submitting this form does not hire a public adjuster; that requires a separate written contract.

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At a glance
Company adjuster	Employed by the insurer
Independent adjuster	Contracted by the insurer
Public adjuster	Hired by you; paid a capped percentage
Attorney	Legal coverage disputes and lawsuits

Company and Independent Adjusters

Staff adjusters are insurer employees. Independent adjusters are contractors the insurer hires, often after big storms. Both work for the insurer, and neither charges you.

Public Adjusters

A public adjuster represents only you. They prepare their own estimate and inventory and negotiate against the insurer's numbers. See what a public adjuster does and what one costs.

Questions about your property claim? A licensed Connecticut public adjuster will review it free.

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When You Need an Attorney Instead

If the insurer says a loss isn't covered and the dispute is over policy language, or you suspect bad faith, an attorney is the right call. Connecticut bars public adjusters from giving legal advice. See denied claims and lawyer or public adjuster.

Connecticut Licensing for Each

Connecticut licenses public adjusters separately from company and independent adjusters. A public adjuster soliciting your business must tell you they don't represent any insurance company.

Questions People Ask

Can I Use Both a Public Adjuster and an Attorney?

Yes. Some claims need both, with the adjuster handling documentation and value and the attorney handling legal issues.

Does My Insurance Adjuster Work for Me?

No. They're employed or hired by your insurance company.

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A licensed Connecticut public adjuster will look at your policy and the insurer's numbers. You'll hear back the way you ask, usually within one business day.

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