Get Claim Support From a Raleigh Public Adjuster
From hurricane remnants and spring tornadoes to ice storms that bring down Wake County's tall pines, Raleigh property owners face a long list of weather risks. When your insurance company delays, underpays, or denies your claim, a Raleigh Public Adjuster can help level the playing field.
What is a Public Adjuster?
Under North Carolina law, a Public Adjuster is a licensed insurance professional who works for the insured—not the insurance company—to assist in the preparation, presentation, and settlement of a property claim (N.C. Gen. Stat. § 58-33A-65(f); NCDOI). A North Carolina Public Adjuster can document your damages, build your estimate, file your claim, and negotiate with your carrier on your behalf.
Are North Carolina Public Adjusters Licensed?
Yes. Raleigh Public Adjusters must hold a license from the North Carolina Department of Insurance (N.C. Gen. Stat. § 58-33A-10). Resident adjusters must pass a state exam, submit fingerprints for a criminal background check, and carry a $20,000 surety bond or letter of credit. They also complete 24 hours of continuing education every two years, including required ethics hours and periodic flood training.
How Much Does a Public Adjuster Charge in North Carolina?
Public Adjusters typically work on contingency, charging a percentage of your settlement. When the Governor or the President declares a catastrophic incident, North Carolina caps Public Adjuster fees at 10% of the settlement and bars any fee, retainer, or deposit before your claim settles (N.C. Gen. Stat. § 58-33A-60(d)). Outside a declared catastrophe, the fee is whatever percentage your written contract specifies.
Find a Reliable Raleigh Public Adjuster
Tiger Adjusters® is backed by a nationwide network of licensed insurance professionals. Our Raleigh team offers free, no-obligation damage inspections and is ready to move your North Carolina claim forward.
What will a Raleigh Public Adjuster do for you? They'll work to get you the full settlement your policy provides.
They'll inspect your property for free, document every sign of damage, and prepare a detailed estimate.
Once hired, your Public Adjuster notifies your insurer in writing with your signed authorization and handles negotiations on your behalf. Nothing settles without your approval.
Will I have to sign a contract?
Yes. North Carolina requires a written "Public Adjuster Contract" listing the adjuster's license number, a bonding attestation, and the exact fee percentage if you're paying a share of your settlement. You'll also receive a disclosure explaining the different types of adjusters. Changed your mind? You can cancel in writing within three business days of signing, and anything you paid must be returned within 15 business days.
Who will my insurance company talk to?
Once you hire a Public Adjuster, your insurer generally can't contact you directly without your adjuster's (or attorney's) consent. Your adjuster becomes the point of contact and handles negotiations, though you always keep the right to talk to your insurer yourself.
How is a Public Adjuster different?
Company adjusters and independent adjusters are paid by your insurance company to represent its interests. A Public Adjuster is the only adjuster who works for you. North Carolina law also requires them to disclose any financial ties to contractors or other firms involved in your claim.