Frequently Asked Questions Q: Are public adjusters trained specialists? Q: Can I do this myself? Q: Can the public adjuster that I hire function also as a contractor for my claim? Q: Do I need a public adjuster to assist me? Q: If I hire a public adjuster will I lose my insurance coverage? Q: Is a fire-damaged home ever the same? Q: My insurance company has sent me a check, but it does not cover my total damages. What can I do? Q: What are pre-loss conditions? Q: What can a Public Adjuster do for me? Q: What is the difference between a public adjuster and an insurance company’s adjuster? Q: Why do I need a Public Adjuster? Q: Will my public adjuster determine or arrange for a contractor or other labor?