Public Adjusters Explained: The Insurance Secret Agents Should Know

Описание: What is a public adjuster, and why should every real estate agent know one?

In this episode of Consumed, Lance Pendleton sits down with Michael Bilt, CEO of Atlas Adjusting, to unpack one of the biggest and best-kept secrets in property ownership: public adjusters. When disaster strikes (fire, water damage, burst pipes, backup overflow) most homeowners call their insurance company and assume they’re fully protected. What they don’t realize is that the adjuster sent to evaluate the claim works for the insurance company, not the homeowner.

Michael explains how public adjusters advocate exclusively for policyholders, helping prepare, present, and negotiate insurance claims to ensure homeowners receive what they’re actually entitled to under their policy. The conversation dives into how insurance companies minimize claims, where common policy caps exist (especially around water damage and mold), and why most homeowners don’t truly understand the coverage they’re paying for.

For real estate agents, this episode goes beyond insurance education. It highlights how building relationships with public adjusters can become a powerful point of differentiation, positioning agents as long-term consultants and trusted advisors rather than just transaction facilitators.

If you want to better protect your clients, strengthen your referral network, and elevate your service model, this conversation is one you don’t want to miss.
Check out https://atlasadjustments.com

Or message Michael at [email protected]

This podcast is produced by Two Brothers Creative.

Chapters:

00:00 Introduction to Public Adjusters
01:20 What Is a Public Adjuster?
03:00 The “Insurance Mafia” Explained
05:30 Independent Adjuster vs Public Adjuster
08:00 Common Insurance Policy Mistakes
10:40 Real Examples of Claim Minimization
14:00 How Public Adjusters Get Paid
16:30 Why Agents Should Know a Public Adjuster
20:00 Concierge-Level Service for Clients
23:30 Most Common Types of Claims
27:30 Coverage Caps and Policy Gaps
30:20 The Wildest Claims Ever Seen
32:00 Final Thoughts and Agent Takeaways