By law you do not need a public adjuster to file an insurance claim and most people choose not to hire their own adjuster.
In my opinion, that is a mistake. The average homeowner will file an insurance claim once every ten years. Have you ever read your insurance policy? It’s not an easy read. We read insurance policies every day. We study insurance law, code and case history. We understand what should be paid for and what the state requires. In addition, we have an extensive background in construction. We have experts in application and materials.
Taking on an adjuster and his insurance company is like showing up for court without a lawyer; It is your right to do so, but it rarely turns out well.