Disclaimer
Please read this before you rely on anything here.
General information, not advice
PublicAdjuster.cc explains property insurance claim rules in general terms. Nothing on this site is legal, insurance, financial or professional advice. We are not attorneys, public adjusters, insurance agents or insurers, and using this site does not create an attorney-client or any other professional relationship.
Your rights depend on your state's law, the exact words of your policy and the facts of your loss. Talk to a licensed attorney, your state insurance department, or another qualified professional about your own situation.
Laws change
Each state page shows the date it was last checked. Statutes, regulations, emergency orders and court decisions can change the rules after that date. Always read the linked source and confirm it is current before you act.
Deadlines
Missing a deadline can end a claim. The deadlines shown here are the general rules in the cited sources. Your policy may set shorter ones, and exceptions and extensions may apply. Do not rely on this site alone to calculate any deadline.
Tools
The tools apply general rules to the information you type in. They cannot see your policy or the facts of your claim, they do not decide whether anyone has broken a law, and their results are not a prediction of what an insurer will pay.
The directory
Directory listings are copied from public state licence records on the date shown and may be out of date or contain errors made in the source. A listing is not a recommendation, endorsement or guarantee of any person or firm, and the absence of a listing does not mean a person is unlicensed. Confirm every licence with the state before you sign a contract.
Listings marked "Sponsored" are paid advertising. We confirm the advertiser's licence when the listing is placed. We do not vet their work.
No guarantees
We try hard to be accurate, but the site is provided as is, without warranties of any kind. To the fullest extent the law allows, PublicAdjuster is not liable for any loss arising from use of, or reliance on, this site.
Links to other sites
We link to government and other sites so you can read sources yourself. We do not control those sites and are not responsible for their content.
Government data
This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).