How a Public Adjuster Helps With Insurance Claims

After property damage, insurance claims can quickly become overwhelming. Policies are complex, damage is often underestimated, and insurance adjusters work for the insurance company — not you. A licensed public adjuster helps protect your interests by managing the claim, documenting damage, and negotiating for a fair settlement on your behalf.

A public adjuster is a licensed insurance professional who represents policyholders during property insurance claims. Unlike insurance company adjusters, public adjusters work exclusively for property owners — not insurers.


Public adjusters are trained to interpret insurance policies, document covered damage, prepare detailed estimates, and negotiate directly with insurance companies to pursue an accurate and fair settlement.

What Is a Public Adjuster?

Who Does a Public Adjuster Represent?

Understanding the roles of insurance and public adjusters is key to protecting your claim rights.


An adjuster employed by the insurance company is hired to protect their interests and profit. The settlement offers are low due to the lack of knowledge and protecting their companies profits.

A public adjuster is hired by the policyholder to protect their best interests. We fight for a settlement that is made to get your home back to normal without out of pocket expenses.

While insurance adjusters may appear helpful, their responsibility is to protect the insurer’s financial interests.

Man paying another man with cash from his wallet.

When you rely only on the insurance companies settlement you will usually pay money out of pocket to repair your home.

A public adjuster helps level the playing field by ensuring your claim is handled accurately and professionally.

How a Public Adjuster Helps With Your Claim

01

Policy Review & Coverage Analysis

We review your insurance policy to identify all applicable coverages, exclusions, and conditions that impact your claim.

02

Damage Inspection & Documentation

We perform detailed inspections and document all covered damage — including damage that may be overlooked or undervalued.

03

Estimate Preparation

We prepare professional, line-item repair estimates that reflect the true scope and cost of restoring your property.

04

Claim Management & Communication

We handle communication with the insurance company, respond to adjuster requests, and manage deadlines throughout the claim.

05

Negotiation & Settlement

We negotiate directly with the insurer to pursue a fair settlement based on your policy and documented damages.

When Should You Hire a Public Adjuster?

Public adjusters can assist at nearly any stage of the claims process — including reopening or supplementing existing claims when justified.

After fire, water, storm, or hail damage

Public adjusters help document and negotiate claims following significant property damage caused by natural events.

If the insurance offer seems insufficient, a public adjuster can review and advocate for a fairer settlement.

If your claim is denied or delayed

Adjusters assist in addressing claim denials or delays by managing communications and providing necessary evidence.

When repairs exceed the insurance estimate

They evaluate repair costs that surpass initial estimates to ensure your claim reflects the true expenses.

When the claims process becomes overwhelming

A public adjuster manages paperwork and negotiations, reducing stress and simplifying the insurance process.

Why Property Owners Choose Optivus Claim Solutions

Optivus Claim Solutions is a licensed public adjusting firm serving residential and commercial property owners. We work exclusively for policyholders and never represent insurance companies.

No recovery, no fee

Our Approach

Our approach is built on transparency, detailed documentation, and ethical advocacy. We believe property owners deserve knowledgeable representation during one of the most stressful experiences they may face.

Trusted Representation

Licensed public adjusters • Policyholder-only representation • Residential & commercial claims

Why Utah Homeowners Need Professional Help with Insurance Claims

Homeowners often face damage from wind, water, hail, and fire, but insurance adjusters work for the insurer, not the homeowner. This can lead to settlements that don’t cover full repair costs.

How a Public Adjuster Supports You

Licensed public adjusters represent homeowners, thoroughly document damage, prepare detailed claims, and negotiate with insurers to secure fair compensation, often increasing settlements significantly.

Frequently Asked Questions About Public Adjusters

1

Do public adjusters work with insurance companies?
No. Public adjusters represent policyholders only and work independently from insurance companies.

2

How are public adjusters paid?
Public adjusters are typically compensated as a percentage of the settlement they help secure. Fees are disclosed upfront and regulated by state law.

3

Can a public adjuster help with a denied claim?
Yes. Many denied or underpaid claims can be reviewed, supplemented, or reopened depending on policy terms and documentation.

A free claim review can help you understand your options and determine whether professional representation may benefit your claim.

 

No obligation

 

Confidential

 

Serving Utah property owners

Do You Still Have Questions?