I’ve heard about public adjusters before, but honestly I never really understood what they actually do. After the fire in our apartment building last fall, a few neighbors mentioned they hired a public adjuster to deal with the insurance claim, but I was skeptical. Is it really worth bringing one in, or can most people just handle the insurance process themselves? I’ve heard mixed things—some say it’s a waste of money, others say you get a much better settlement, especially in a place as complicated as New York. I found fire damage claims adjuster , but I’m curious if anyone here has used a public adjuster and what the experience was like.