When a claim stalls, owners often hear three suggestions: hire an appraiser, hire a public adjuster or hire an attorney. Each solves a different problem.
Appraiser
An appraiser works within the policy’s appraisal clause to value the amount of loss. Appraisal fits when coverage is accepted and the dispute is about scope or price. The result is an award signed by two of three panel members.
Public adjuster
A public adjuster is licensed to represent policyholders in preparing and negotiating the overall claim. They often get involved early and handle communication with the insurer. Fees are commonly a percentage of the recovery.
Attorney
An attorney handles legal disputes: coverage denials, interpretation of policy language, bad-faith claims and lawsuits. If a deadline to sue is approaching, an attorney should be involved.
Quick comparison
| Situation | Best fit |
|---|---|
| Coverage accepted, amount disputed | Appraiser |
| Early claim, need help managing it | Public adjuster |
| Claim denied or bad-faith concerns | Attorney |
| Suit deadline approaching | Attorney |
Understanding the difference between an appraiser vs public adjuster vs attorney helps you choose the right help first.