There are only three reasons where I can see a PA making sense. The first is if you are a business owner and don't have the time/don't want to deal with an adjuster. The second is if you have a complicated loss (normally a commercial loss with business interruption, extra expense, large amounts of stock). And finally, if an insurer is not being reasonable in their assessment of a loss.



I once had a PA turn in an estimate for Katrina for vinyl mini-blinds. $632.00 per blind. I looked at the photos 20 times and could not find any gold or platinum trim on any of the blinds. The PA's excuse, “it must have been a type-o Mind you this was for the HO policy, the windows were boarded and the blinds were damaged by flood waters, but that's another story.

Yuppy!! I'm happy to create the confusion it has introduced a whole new angle to the thread.



Yup, I did referred to the public adjuster . FK, thanks a lot for reading my mind. and thanks to all for adding valuable comments to it. Hope the OP is following this thread also.

I told a person handling my settlement that I want a family friend to negotiate settlement on my behalf. She said she can only talk to me or my attorney. Is this correct or just a scare tatic

They can talk to anyone you give legal authorization to speak on your behalf. To say they can only talk to you or an attorney is BS.

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