When your home or property suffers damage, the last thing you want to deal with is a complicated, confusing insurance process. Yet for many property owners, that’s exactly what happens. You file your claim expecting coverage—only to be met with lowball offers, endless paperwork, or even a flat-out denial.

So, you may find yourself asking: why do I need a public adjuster?

Let’s break it down.

Understanding the Role of a Public Adjuster

A public adjuster is a licensed professional who represents you—the policyholder—in the insurance claims process. Unlike the insurance company’s adjuster (who works for them), a public adjuster works for you. Their job is to thoroughly assess your property damage, calculate the true cost of repairs, and fight for the full compensation you deserve.

At Keystone Adjusting, we’ve seen it all: underpaid claims, delayed responses, denied coverage, and homeowners left footing the bill for damages that should’ve been covered. That’s exactly why our clients call us—to protect their rights and secure every dollar they’re entitled to.

Why Insurance Companies Don’t Always Pay What They Should

Insurance companies are businesses. And like any business, their goal is to minimize costs—including claim payouts. Unfortunately, this can mean:

• Claim settlements that don’t cover full repair costs
• Denials based on unclear policy language
• Missed damage during the initial inspection
• Delays in processing and approval

If you’re not well-versed in policy terms, construction costs, or claim procedures, it’s easy to miss out on compensation. That’s why having a public adjuster in your corner can make all the difference.

So, Why Do I Need a Public Adjuster?

Here’s why working with a public adjuster—especially one from Keystone Adjusting—is so important:

1. We level the playing field.
   You’re not just going up against damage—you’re up against an insurance company with its own agenda. We make sure your voice is heard and your claim is taken seriously.
2. We maximize your settlement.
   Most homeowners don’t know what their damage is truly worth. We do. And we use detailed inspections, documentation, and negotiation tactics to push for the highest payout possible.
3. We handle the paperwork and headaches.
   Filing a claim isn’t just taking photos and sending an email. There are forms, deadlines, policy reviews, and follow-ups involved. We handle it all.
4. We only get paid when you do.
   There’s no upfront cost to hire Keystone Adjusting. Our fee comes from a percentage of the settlement, which means we’re just as motivated as you are to get the best result.

Real-World Example

Let’s say your roof is damaged after a storm. You file a claim, and the insurance company offers $4,000. A public adjuster from Keystone Adjusting inspects the damage, documents everything thoroughly, and uncovers that the actual repair cost is closer to $12,000. We handle the negotiations—and you walk away with a settlement that reflects the real cost of restoring your home.

Services We Offer at Keystone Adjusting

At Keystone Adjusting, we assist with a wide range of property damage claims, including:

• Water Damage (from leaks, burst pipes, flooding)
• Fire and Smoke Damage
• Storm and Wind Damage
• Hail and Roof Damage
• Mold Claims
• Vandalism and Theft
• Business Interruption Claims

No matter the damage, we bring experience, expertise, and commitment to every case.

Final Thoughts

If you’re still wondering why do I need a public adjuster, the answer is simple: because navigating an insurance claim alone is risky, frustrating, and often costly. With Keystone Adjusting on your side, you don’t have to go it alone. We handle the stress, the paperwork, and the negotiation—so you can focus on getting your life back on track.