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Independent adjusters work for your insurance company thereby providing a conflict of interest in regard to any settlement on your behalf. Adjusters Unlimited are claims specialist in California working strictly for the insured. As public adjusters we represent people both in the residential as well as the commercial and business community in claims preparation, claims problems, investigation, forensics, analysis, and insurance negotiation.

v Mold                                 v Fire

v Earthquake                      v Water

v Business Interruption      v Loss of rents

v Contents                     v Burglary

v Forensics                     v Litigation support

v Vandalism                     v Coverage issues

What is a public adjuster? There are three types of insurance adjusters that could be involved in the processing of your insurance claim. The definitions of the three types are as follows:

1. Public adjusters means the insurance adjusters who do not work for your insurance company. They work for you, the insured, to assist in the preparation, presentation, and settlement of your claim. You hire them by signing a contract and agreeing to pay them a fee or commission based on a percentage of the settlement, or other method of compensation. Public adjusters are required to be licensed, bonded, and tested by the State of California and represent your interest only. 
2.Company adjusters means the insurance adjusters who are employees of your insurance company. They represent your insurance company and are paid by your insurance company. They will not charge you a fee and are not individually licensed or tested by the State of California.
3. Independent adjusters means the insurance adjusters who are hired on a contract basis by your insurance company to represent the company in the settlement of the claim. independent adjusters are required to be licensed, bonded, and tested by the State of California. They are paid by your insurance company. They will not charge you a fee.
You have the right, but are not required, to use the services of a public adjuster in the preparation and handling of your insurance claim.  Public adjusters cannot solicit your business while the loss is underway, or between the hours of 6 p.m. and 8 a.m.   Your "Public Adjuster Contract," with a public adjuster representing you, should clearly indicate the amount of the fee you will be paying to your public adjuster. The salary, fee, commission, or other consideration is to be paid by you (the insured), not the insurance company (insurer).