Key points
- The insurance adjuster works for your insurance company and is paid by them.
- A public adjuster works for you and usually charges a percentage of the settlement.
- Most straightforward water damage claims don’t need a public adjuster.
- Large, complex or disputed claims are where one may help. General information, not insurance or legal advice.
The insurance company’s adjuster
When you file a claim, your insurer assigns an adjuster — staff or independent — to inspect the damage, review the scope and recommend what the policy pays. They are paid by the insurer, not by you. See what to ask your insurance adjuster.
A public adjuster
A public adjuster is hired by the policyholder to prepare and negotiate the claim. They are usually paid a percentage of the settlement, so their fee comes out of what you receive. Check that they are licensed in Utah and read the contract before signing.
When one might help
- A large loss with many parts — structure, contents, additional living expenses. See loss of use.
- A claim that has been denied or seems far too low — see water damage claim denied.
- When you don’t have time to manage the paperwork.
Often not needed
For a typical burst pipe or appliance leak, good documentation usually carries the claim. Vault documents the damage with photos, records moisture readings every day, writes the scope in Xactimate and bills State Farm, USAA, Allstate, Farmers and Bear River Mutual directly. See how to document water damage and claim timeline. General information, not insurance or legal advice.
Common questions
Do I have to let the insurance adjuster inspect?
Policies generally require you to let the insurer inspect the damage and to provide records. Being present for the inspection, with your photos and documentation ready, helps. General information, not insurance or legal advice.
Can my restoration company negotiate my claim for me?
No. A restoration company documents the damage and bills for the work. Negotiating your claim on your behalf is a separate role that requires a public adjuster license in Utah. General information, not insurance or legal advice.
How do I check a public adjuster?
Confirm their Utah license, ask for references from similar claims, and read the contract closely, especially the fee percentage and how you can cancel. General information, not insurance or legal advice.
Need the damage documented?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Water damage restoration in Provo · Insurance claims · Contact us