What a Georgia Public Adjuster Does—and What They Don’t

A public adjuster’s client is the policyholder. That single fact explains the role more clearly than most industry terminology.

When a property owner reports a loss, the insurance company assigns an adjuster to investigate and evaluate the claim for the carrier. A Georgia public adjuster is separately hired by the insured to assist with the insured’s side of that property claim.

The core role: document and present the policyholder’s claim

Claim representation can include reviewing available policy materials and claim correspondence, evaluating documented property damage, preparing estimates or supporting reports, organizing a loss timeline, attending inspections, and communicating the insured’s position to the insurance company.

The exact work depends on the written agreement, the claim posture, and the facts of the loss. A denied roof claim may require a different analysis than an active water claim or a commercial property supplement.

What a public adjuster does not do

• A public adjuster does not represent the insurance company on the same claim.
• A public adjuster is not an attorney and does not provide legal advice or perform legal services.
• A public adjuster does not guarantee coverage, payment, or a particular claim outcome.
• A public adjuster should not perform the construction work on a claim they adjust or receive compensation for referring that work.
• A public adjuster cannot create coverage that the policy does not provide.

When a review may be useful

A review may be warranted when the carrier’s scope appears to omit documented damage, a denial letter is difficult to reconcile with the facts, a meaningful disagreement exists about cause or repairability, or the claim has become hard to navigate. That does not mean every denial is incorrect or that every scope difference is covered.

How fees work

Georgia public-adjuster services are governed by a written contract. The compensation structure and percentage, if any, should be explained before the agreement is signed. Capital Claims does not charge a fee merely for requesting an initial review; any representation begins only after an appropriate written agreement is executed.

What to gather before the first conversation

Bring the claim number, date of loss, policy declarations, carrier estimate, payment or denial letters, photographs, contractor estimates, mitigation records, and a brief timeline. Missing documents do not prevent an initial conversation, but they may limit what can be evaluated.

This article is general educational information, not legal advice, coverage advice, or a promise of claim outcome. Insurance policies and claims are fact-specific.