What is a public adjuster (PA)?

  • Public adjusters are similar to insurance adjusters in that they investigate, appraise and negotiate claims (except in Kentucky).  The difference is a public adjuster advocates for the policyholder, NOT the insurance company, during the claim process.  Insurance adjusters represent the interests of the insurance company that employs them. Public adjusters represent the interests of the policyholder.

  • Public adjusters confer, on your behalf, with the insurance company representatives and handle all matters essential to proper and satisfactory conclusion of the claim (except in Kentucky).

  • Most insurance companies prefer to work with an experienced public adjuster who knows the ins-and-outs of the claims process (except in Kentucky).

  • Insurance companies always offer to pay what is due to you, the policyholder, as they see it but a public adjuster has the knowledge and experience to obtain a more favorable adjustment for everything which you are entitled (except in Kentucky).

  • Public adjusters insure prompt and satisfactory settlements (except in Kentucky).

    If you think you may need assistance with your residential or commercial property insurance claim, there’s no risk in contacting a public adjuster.  Most public adjusters will provide free (no commitment) consultations.  At the very least you will receive an opinion by a professional in the insurance industry.

 

NOTICE TO KENTUCKY POLICYHOLDERS

Due to recent changes in Kentucky law, including the enactment of Kentucky House Bill 568, certain services traditionally offered by TOBA Claims may be limited, modified, or unavailable for property insurance claims located in the Commonwealth of Kentucky.

These legal changes affect the scope of services that licensed public adjusters may provide to Kentucky policyholders during the insurance claims process. As a result, some claim assistance, advocacy, estimating, negotiation, appraisal-related involvement, or consulting services may be restricted under Kentucky law.

TOBA Claims remains committed to assisting policyholders to the fullest extent permitted by applicable law and regulations. Services available for Kentucky losses may differ from those offered in other states and may be limited based upon the nature of the claim, timing of representation, and evolving legal or regulatory guidance.

For additional information regarding the legislation, please visit the official Kentucky General Assembly page for House Bill 568.

If you are a Kentucky policyholder and have questions regarding what services may currently be available for your claim, please contact us directly for additional information at 843-810-2423.