Public adjusters prepare thorough and itemized estimates for property damage claims. These estimates are based on field inspections, industry-standard pricing software (such as Xactimate), and local market rates. Attorneys benefit from these estimates to support litigation, mediation, settlement negotiations, or coverage disputes by having a professional valuation of the loss that is independent from the insurance carrier.

Documenting Damages

Public adjusters specialize in comprehensive documentation of damages, including:

* Photographic evidence
* Moisture readings and environmental data
* Repair protocols and scopes of work
* Inventory of personal property losses (when applicable)
This documentation strengthens an attorney’s case by providing organized and objective evidence to prove the extent and cause of damages.

Appraisal Services
When a claim enters appraisal due to disputes over the value of damages, public adjusters can act as the appointed appraiser for the policyholder. In this role, they:

* Evaluate damages independently
* Negotiate with the opposing appraiser
* Provide professional opinions and valuations to resolve disputes outside of court
Attorneys use public adjusters as appraisers to advocate effectively for their clients during the appraisal process.

Umpire Work
Qualified public adjusters can also serve as neutral umpires during the appraisal process when both appraisers cannot agree on the amount of loss. As umpires, they:

* Review both appraisers’ positions
* Conduct independent assessments if necessary
* Issue a fair and binding decision on the value of the damages