Contractor vs Public Adjuster vs Consultant — Who Should You Hire?
When you’re dealing with a property claim, it’s hard to know who to trust. Here’s a simple breakdown of the three most common roles in a claim—what they do, and how they differ.
Contractor
What they do:
• Estimate repairs
• Complete the actual construction
• Offer opinions on scope
Limitations:
• Cannot negotiate your claim
• Often lack adjuster training
• May miss insurance-specific documentation
Public Adjuster (PA)
What they do:
• Represent homeowners
• Negotiate claim settlement
• Handle communication with carrier
Limitations:
• Long timelines
• Percentage-based fees
• Not involved in actual repair work
Consultant (Property Loss Pros)
What we do:
• Review estimates
• Identify missing items
• Provide strategy & talking points
• Prepare supplement documentation
• Educate homeowners
Limitations:
• We do not negotiate with your carrier
• You stay in control of communication
Which One Is Right for You?
Choose a contractor if you need repairs.
Choose a public adjuster if you need full representation.
Choose a consultant if you need clarity, accuracy, and expert guidance without giving up control.
When a Consultant Fits Best
• You want to understand your estimate
• You want to know what’s missing
• You want coaching on how to push back
• You want expert insight without a percentage fee
