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Frequently Asked Questions

QWhat is a Public Adjuster?


A Public Adjuster is a licensed and bonded professional who is regulated by state statues. Public Adjusters are required to have extensive training and today must go through a one-year apprenticeship program before they can represent a claim. In addition to attending many seminars and meetings, Public Adjusters are required to complete 24 hours of continuing education and test every two years. A Public Adjusters works solely on your behalf. A Public Adjuster will prepare accurate estimates reflecting current market cost, meet with the insurance adjusters, prepare all necessary documentation, communicate with the insurance adjuster on all matters, and make certain you achieve the equitable settlement you are entitled to.

QWhat is a Public Adjuster? What are the different kinds of adjusters?


There are 3 types of adjusters. An insurance adjuster who solely represents the insurance company. His interests are in behalf of the insurance company. The second is an independent. Independents are employed by insurance companies when they do not have enough of their own adjusters to handle the workload. The third is a Public Adjuster. A Public Adjuster represents you the insured and your interest.

QHow much will it cost for the use of a Public Adjuster?


There is no cost until we collect from your insurance company. We will handle your claim for a small percentage upon payment.

QBy using a Public Adjuster can my insurance company raise my rates?


The Department of Insurance law prohibits insurance companies from taking any adverse actions on the insured for electing the right to representation on an insurance claim.

QIf I have already received a payment for my insurance claim, can I still use a Public Adjuster?


Yes. You are entitled to receive the maximum amount of coverage for your loss. We will re-open the claim and fight to recover the full amount you are entitled to under the policy

QAm I better off using a Public Adjuster after I see what offer I get from my insurance company?


NO! The average individual does not understand the claim process and often supplies incorrect information which can be held against the insured, in some cases even causing a denial of the claim. By using Horizon, we make certain that everything is correctly presented.



The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.