Public Adjusters are Insurance Adjusters that represent the policy-holder, not insurance company. They are consumer advocates and claim advocates that will file your insurance claim, estimate the amount of loss you sustained, and negotiate your insurance settlement to maximize your claim recovery. Most Public Adjusters work on a contingency basis, and work for a percentage of the claim, depending on your State's regulation. Although a Public Adjuster may receive a portion of the funds they collect on behalf of the policy-holder, the policy-holder can be comforted in knowing that a settlement received with the help of a Public Adjuster is usually much higher than a settlement received without the assistance of a Public Adjuster.