When an insurance claim feels confusing or stuck, homeowners often wonder who can help. Three kinds of professionals come up most often: attorneys, public adjusters, and independent consultants. They do different jobs. This article explains the roles in plain terms so you can decide what fits your situation.
We are not a law firm or a public adjuster. Nothing here is legal advice. If you need advice about your rights or your policy, speak with a licensed professional who can look at your specific situation.
Attorneys
What they do: attorneys give legal advice and can represent you in legal matters, including questions about what your policy covers.
You might want one if: you have questions about your legal rights, your policy language, or a decision about your claim that you want a lawyer's view on.
Public adjusters
What they do: public adjusters are licensed in many states to handle the claim on your behalf, including communicating with your insurance company.
You might want one if: you would rather hand over the day-to-day handling of the claim. Fees and rules vary by state and by company, so ask for the terms in writing before you agree to anything.
Independent consultants (Property Loss Pro)
What we do: we read your estimate and documents and explain them in plain English. We point out what looks missing or unclear, and we give you written findings and practical questions to ask. You stay in charge of talking with your adjuster.
Estimate review in plain language
Notes on items that may need clarification or support
Emails and talking points you can use with your adjuster
What we do not do: we do not negotiate with your insurance company, we are not a public adjuster, we do not give legal advice, and we do not repair homes. We do not take a percentage of your claim, and we do not promise any result.
You might want one if: you want a clearer picture of your estimate and a set of good questions, and you plan to keep handling the conversation yourself.
Choosing what fits
If you mainly want help understanding the estimate, an independent consultant may fit.
If you want someone else to manage the claim, you could look into a public adjuster.
If you have legal questions, an attorney is the right person to ask.
These roles are not exclusive. Some homeowners start by understanding the estimate and decide later whether they need more help. There is no single right answer, and the best choice depends on your claim and your comfort level.
If you would like help reading your estimate:
We provide written findings and practical questions for you to use. We do not negotiate on your behalf, and we are not a law firm or public adjuster.