Public Insurance Adjuster

A Public Insurance Adjuster (PA) represents the policyholder throughout the insurance claim process. Unlike the insurance company’s adjuster, whose responsibility is to the carrier, a Public Adjuster’s duty is to the insured—to ensure the loss is properly documented, supported, and evaluated under the terms of the policy.

Most property insurance policies place specific duties on the insured after a loss. These duties typically include mitigating damages, documenting the loss, submitting information when requested, and—most importantly, proving the amount and scope of the loss. This is where many claims fall short. Insurance companies do not build the claim for the policyholder; they evaluate what is presented to them. If damages are missed, unsupported, or poorly documented, they are often excluded from consideration.

This is the gap a Public Adjuster fills.

At Sage Loss Consulting, we take on those duties for the policyholder. We inspect the property, identify covered damages, analyze how the loss impacts the full building system, and prepare comprehensive documentation to support the claim. This includes detailed estimates, photographs, measurements, reports, and supporting evidence that aligns with policy language, manufacturer requirements, and applicable standards.

Policyholders who involve a Public Adjuster early in the process typically see a 50–100% increase in claim recovery compared to handling the claim alone, not because values are inflated, but because damages are fully identified, properly documented, and clearly supported from the beginning. Missed items, under-scoped repairs, and unsupported pricing are far less likely when the claim is built correctly from day one.

We also utilize state-of-the-art technology to objectively document damage that may not be visible to the naked eye. This includes thermal imaging cameras to identify hidden moisture and insulation deficiencies, moisture mapping to track water migration, drones for safe and comprehensive roof and exterior inspections, 3D imaging to capture accurate measurements and building geometry, and detailed contents analysis when personal property losses are involved.

Insurance claims are not static, and neither are the methods used to evaluate them. We continuously refine our inspection methods, documentation strategies, and presentation techniques to stay ahead of evolving carrier practices. The goal is not confrontation—it is clarity. Clear documentation, clear policy support, and clear justification for the claimed damages.

In addition to technical documentation, we understand insurance policies and how they are applied. We analyze policy language, endorsements, exclusions, and conditions, and we stay informed on local and state insurance regulations that govern how claims must be handled. This allows us to identify when a claim is being improperly limited, delayed, or under-evaluated, and to address those issues using the policy and applicable regulations, not opinion.

Our services are provided on a contingency fee basis, not to exceed 10% of the total claim recovery. We are only compensated if the policyholder is paid. This structure aligns our interests directly with the client’s outcome and allows property owners to pursue proper claim representation without upfront costs.

Ultimately, a Public Adjuster adds value by removing guesswork from the process. We help policyholders comply with their policy obligations, present a complete and well-supported claim, and navigate a system that can otherwise be overwhelming. Our role is to bring structure, documentation, and advocacy to the claim so the property owner has the best opportunity to be properly indemnified and restore their property to its pre-loss condition