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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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What should I consider when dealing with an insurance adjuster?

Once your insurance claim is received, the insurance company may send out an adjuster to look at the property damage and help you through the claims process. In many states you can also hire public adjusters. A public adjuster represents you as the claimant, but will charge you a percentage of your settlement.

Be careful if you choose to hire a public adjuster. Be sure the adjuster is licensed to do business in your state . Avoid adjusters who come from out of state or who knock on your door looking for business. Other warning signs to watch for are:

  • Adjusters who charge big upfront fees. Don’t pay a lot before you know if the adjuster is going to help you.  Many states put a limit on fees.
  • The adjuster refers you to a contractor. Dishonest adjusters will sometimes work with contractors that give them kickbacks.
  • Avoid any adjuster or advisor who asks you to make a false or inflated claim. This is fraud against the insurance company.
  • Avoid hiring a public adjuster who asks you for a suspicious amount of personal information. Some con artists may pose as adjusters to steal your personal information.
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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.