Homeowners Insurance
- What is homeowners insurance?
- What is in a standard homeowners insurance policy?
- Are there different types of policies?
- Does my homeowners insurance cover flooding?
- What type of disasters are covered?
- Can I own a home without homeowners insurance?
- Can I get insurance if I rent my home?
- How do I take a home inventory and why?
- How much homeowners insurance do I need?
- I'm installing a pool-what kind of insurance do I need?
- How much will homeowners insurance cost?
- How can I save money?
- How do I file a homeowners claim?
- How is the settlement amount determined?
- What is a public adjuster?
What is a public adjuster?
Your insurance company provides an adjuster at no charge to you. Adjusters who have no relationship with your insurance company and charge a fee for their services also may contact you. These are known as public adjusters. You may use a public adjuster to help you in settling your claim.
- Public adjusters may charge you as much as 15 percent of the total value of your settlement for their services. The fee isn't covered by your insurance policy. Sometimes after a disaster, your state's insurance department sets the percentage that public adjusters may charge.
- If you decide to use a public adjuster, first check his or her qualifications by calling your state insurance department. Ask your agent, a lawyer or friends and associates for the name of a professional adjuster they can recommend. Avoid individuals who go from door-to-door after a major disaster, unless you are sure they are qualified.
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