Public adjusters are licensed by the state department of insurance and they work to represent the rights of an insured at the time of the insurance claim process. To improve the property claim, damage settlements of homeowners, commercial property owners and business owners, they advise, assist and advocate for them. It is very important to hire a public insurance adjuster when you decide to claim for property loss. When you process the case with an insurance carrier, it is difficult for you handle the situation.