A public adjuster is a licensed professional who helps policyholders navigate the insurance claims process after property damage. They work on behalf of the insured, assessing the damage, documenting losses, and negotiating with the insurance company to ensure a fair settlement. Public adjusters are especially useful in complex claims or when disputes arise. Unlike insurance adjusters, who represent the insurance company, public adjusters advocate for the policyholder's best interests. They charge a fee, typically a percentage of the settlement amount, but their expertise can often lead to higher payouts, making their services valuable for those facing significant losses.