A public adjuster represents you, and not the insurance company.
The insurance companies have on their staff and payroll trained experienced adjusters. You the insured conversely, generally has little if any knowledge of policy language, building construction, or the ins and outs of how an insurance claim should be handled. This places you at a distinct disadvantage when it comes to interfacing with the insurance company on an insurance loss.
A public adjusting firm represents the insured and handles all aspects of the claim, from start to finish. This arrangement offers you the insured three distinct advantages:

1) You are being represented by an individual familiar with the claims handling and settlement process.

2) You are divesting yourself of the claim saving yourself time and expense, as well as the stress of handling an insurance loss on your own.

3) You are being represented by an experienced adjuster resulting in a larger settlement.

J.E.M. Adjustment - Public Adjusters P.O. Box 773, Blandford, MA 01008