What's the Difference Between a Public Adjuster and an Insurance Adjuster?

When your home or business suffers damage, you’re counting on your insurance policy to protect you. But what most people don’t realize is that not all adjusters work with your best interest in mind. There’s a major difference between a public adjuster and an insurance company adjuster—and understanding that difference can significantly affect your payout.

Insurance Company Adjusters Work for the Insurer

Insurance company adjusters are employed by your insurance provider. Their role is to assess the damage, interpret your policy, and determine how much the company should pay out. While they may be friendly and professional, their primary responsibility is to protect the insurance company’s bottom line—not yours. This often leads to delays, denials, or reduced settlements.

Public Adjusters Work for You, the Policyholder

Public adjusters, on the other hand, work exclusively for you. At Keystone Adjusting, our job is to advocate on your behalf throughout the entire claims process. We inspect the damage, review your policy, and negotiate with the insurance company to ensure you get every dollar you’re entitled to.

Why Choose Keystone Adjusting as your public insurance adjuster?

When you choose Keystone Adjusting, you’re getting a partner who knows how to handle the toughest claim situations. From start to finish, we take the stress off your plate and fight for the payout you deserve. We have years of experience in getting our clients significantly more than what the insurance company originally offered.

We Specialize in All Major Types of Property Damage

No matter what type of damage you’ve experienced, we’ve seen it—and handled it. Our expertise includes:

Water Damage – from pipe bursts, leaks, or flooding
Fire Damage – from electrical fires, kitchen fires, or total loss
Storm Damage – including fallen trees, roof damage, and wind-related issues
Flood Damage – fast, expert handling of complex catastrophic losses

We Maximize Your Claim

Insurance companies often undervalue the cost of repairs, replacement, and long-term recovery. At Keystone Adjusting, we know what your damage is really worth. We use advanced estimating software, work with trusted contractors, and understand how to present the strongest possible case. Most of our clients end up receiving a much higher payout than what was originally offered.

Why Go Through the Stress Alone?

Filing a claim without expert help can lead to costly mistakes. Missing documentation, misunderstood policy terms, or accepting a lowball offer can all reduce the compensation you receive. With Keystone Adjusting, you don’t have to navigate it alone. We handle everything—from the inspection to the final settlement—so you can focus on getting your life back to normal.

Let’s Get You Paid What You Deserve

Whether you’ve already filed your claim or are just getting started, it’s never too early (or too late) to bring us in. Keystone Adjusting is here to make sure your voice is heard—and your damage is fully covered. The insurance company has someone looking out for them. You should too.