Wednesday, September 22, 2021

What Is White Mold and How Dangerous Is It?

Are you concerned about white mold and what impacts it’s causing to your health?

Here at JF Public Adjusters, we regularly speak to clients who have encountered mold growth.

Furthermore, it’s not uncommon for them these clients to be experiencing the negative health effects that exposure to some types of mold can cause.

Today, we’re going to be talk about white mold growth specifically and answer the question – is white mold dangerous?

However, what surprises many is how mold is a far more common problem than most people are aware of.

Did you know that 45 million buildings in the US have unhealthy levels of mold

While that number might shock you, it’s no surprise that so many homes, offices, and stores might be harboring mildew and mold.

According to insurance industry statistics, 14,000 Americans deal with water damage daily, and mold can begin to appear in as little as 24-48 hours.

Often resulting from high humidity, dampness and excess moisture in areas with poor ventilation like and basements. or attics following roof leaks.

Though mold is common, it’s not always easy to know what type of mold you’re dealing with.

There are more than 100,000 various types of mold, some of them are dangerous and pose numerous health risks often leading to lung disease and other respiratory system issues, while other species of mold are benign.

Some mold types have medicinal properties. 

But, if you’ve been in your basement looking around and you’ve seen some sort of fuzzy, powdery white substance you’ve likely found some white mold growing.

Now that we know a little bit more about mold in general, lets talk about white molds specifically and how dangerous it is.

Then we’ll dig a little bit into removing mold, and how to prevent mold from coming back and causing another mold growth problem.

Read on to learn the sobering truth about the white category of mold.

What Is White Mold?

White mold is not one specific type of mold but a catch-all phrase that describes many different mold species which have a white appearance in hue and might have a powdery texture.

A few common types of this type of fungus include Aspergillus, Penicillium, and Cladosporium. 

All of these mold species can also appear grey, green, or black. Many times, mold will appear white because its spores lack pigments.

This quality will vary based on what material the mold is growing on (as molds thrive on porous materials) and the kind of environment and moisture content of the surroundings.

Another type, acremonium Acremonium mold, is a toxic mold that starts moist but dries into a fine, white powder over time.

It can grow in drain pans, cooling coils, humidifiers, and window seals. Exposure to acremonium can cause catastrophic health problems. 

Alternatively, many other species of mold will appear white only because they are in the early stages of development.

For example, you may find mold colonies form under your house. The mold will eventually change color as the mold grows and begins producing spores. 

We can find an example of this in Chaetomium, which has a cotton-like texture and will change colors from white to grey, to brown, and finally to black with time.

Individuals with compromised immune systems can be significantly affected by this type of white mold growth. 

This misunderstanding many people have relating to the difference between white mold and other types of mold can quickly become dangerous, as people often confuse white mold as completely harmless, believing only toxic black mold is the problem.

Mucor is a mold species that is usually white or grey and proliferates, in very thick patches.

A common way homeowners often discover this type of mold is when they hire an HVAC contractor for a service call and the technicians finds excess condensation inside ducting and HVAC system or air conditioner, a perfect environment for Mucor growth. Another place where this type of white mold thrives is along damp carpeting. 

What Causes White Mold Spores to Grow?

This type of fungus can quickly spread if given sufficient food, namely the cellulose found in wood.

Since mold spores naturally exist in the air, all they need is the right conditions to allow for this white fungus to grow

All these spores need to thrive is some sort of moisture source and a food source, as mentioned above, and the powdery fungus will quickly appear.

Aside from wood, it can grow on drywall or any other building materials of an organic nature. 

Moreover, like most other household mold types, white mold destroys the structural integrity of a building or home by eating away at its very foundation.

The majority of molds aren’t viable below 40 degrees Fahrenheit. Mold generally grows best anywhere between 77 and 86 degrees Fahrenheit, especially if the air is humid, just like on the East Coast of Country, which is why we’re commonly assisting our NY Public Adjuster clients and NJ Public Adjuster clients with this exact problem.

While mold can’t grow on inorganic material or non porous surfaces. Although, it can exist in or on dirt, and other organic materials on top of those inorganic surfaces. Mold can even grow on the northern side of a building’s siding and roof. 

Suppose a property’s organic building materials are subjected to any sort of water damage.

In that case, white mold could easily take hold and flourish because the spores have everything they need to accelerate growth throughout the affected surface. 

How Do You Identify White Mold Growth?

As it’s got a light color, white mold can sometimes be tough to see or detect. Unlike darker colored molds, it can easily blend in with whatever surface it’s growing on. 

Sometimes white mold can be misidentified as mildew or efflorescence. Efflorescence is the salt deposit left behind after salt water evaporates and has a white, crystalline appearance. 

People often can’t tell whether what they see is white mold or efflorescence because the salt deposits are very similar in appearance.

Keep in mind, efflorescence is native to stone, brick, and concrete.

All materials don’t foster an excellent environment for mold growth, so chances are if you find powdery white mold on wood, it’s not efflorescence. 

If you spray water onto the surface in question and it dissolves, it isn’t mold.

Keep in mind when trying to identify white mold that mildew will generally grow on plants and wet clothing instead of building materials. 

In the early stages of growth, it can be tough to discern with the naked eye since the spores are so tiny. When mold colonies begin to form, white mold looks like powdery white spots on surfaces. 

Since there are so many types of mold, it is almost impossible for the layman to identify whether the possible mold is toxic or not. That’s why

If you suspect mold growth of any kind, white mold or not, it’s in your best interest to look into a mold inspection by a qualified mold specialist or public adjuster who specializes in property damage.

Where Does White Mold Grow Most Often?

If you’re looking to inspect your home or business for white mold, and want to know where white mold tends to grow, here are the most common places.

Wooden Furniture and Surfaces

White mold is excellent at penetrating porous surfaces like furniture, wood, and even sheetrock. White mold is often found on wooden furniture and surfaces throughout a home or business. 

In some cases, you might find success removing the spores, though cloth with white mold growing on it is best saved for professional cleaners. 


Having white mold in attic is very common because attics provide an almost endless food source, including plenty of wood and insulation. 

Leaky roofs are typical for attics, along with leaky pipes, condensation, and bad ventilation. Many attics are cramped and small, which can make mold removal nearly impossible. 

Basements and Crawl Spaces

In your basement, you’ll find white mold on wooden floor joints, stored possessions like clothes and furniture, and even concrete walls.

When water seeps through basement walls, they become perfect, moist environments where white mold quickly grows.

Like in the attic, condensation can also contribute to white mold and other mold growth in basements and crawlspaces.

Though smaller, crawlspaces are susceptible to white mold, just like white mold in basement.

Broken gutters, cracked foundations, and improper ventilation could all make your crawlspace a breeding ground for white mold.


You’ll want to check any clothing stored in your attics, basements, or crawl spaces. In the summer months, clothing is especially susceptible. 

Leather clothes and shoes are also more prone to developing the growth of these spores on them.

Luckily, white mold doesn’t leave behind the same stains that other molds, like black mold, commonly do.

Is White Mold Dangerous?

No matter the color or location, any mold growth in your home or business is generally considered harmful and unhealthy. 

Exposure to white mold is dangerous because it can lead to many health problems like headaches, dizziness, allergic reactions, eye and skin irritation, nausea, and respiratory infections. 

Prolonged or repeated exposure to white mold can cause even worse mental and physical problems like anxiety, insomnia, depression, and memory loss.

People with asthma or other breathing problems can find their health issues exacerbated by white mold (which include allergenic molds.)

Other than health issues, white mold commonly attacks building materials and can cause extreme structural damage to a home or business. 

White mold uses organic materials as a food source, which will compromise the integrity of whatever it grows on.

Since mold digests carbon from whatever it grows on, it naturally breaks down the material over time. 

When the mold eventually destroys whatever surface it has colonized, it will move to another surface or material to find a new food source. 

In cases of significant white spore growth, the affected structure could become unstable or uninhabitable.

An unchecked instance of mold growth can severely degrade organic material. At the very least it can cause cosmetic damage or unpleasant odors often referred to as a “musty odor.”

How Do You Remove White Mold?

In the event that you discover white mold (or black mold or any other mold for that matter) somewhere on your property, you may be thinking that you can remove it yourself. 

While in some instances this is possible, as with wooden furniture, wooden surfaces, or clothing and shoes, in one of these cases, the surface can be cleaned by scrubbing water mixed with baking soda.

However, if you’ve other instances it’s best to leave this sort of work up to professionals who are using the proper protective gear. 

As the health risks associated with mold spores of this type are so severe, when spore growth is encountered, you need to act quickly to mitigate property damage to your home or business. 

Larger mold colonies need to be addressed immediately, ideally by a mold remediation company. 

That’s why if you’ve encountered any spores, whether it’s black mold, white mold or green mold, it is best to contact mold inspection company and have them complete a thorough inspection of the property.

One very hazardous downside to DIY mold cleaning solutions is exposing yourself and anyone who helps you to potentially harmful fungus (like white fungus on wood), which could trigger or exacerbate serious health issues, . 

If you decide to tackle the problem yourself, you must be very careful to protect yourself from its harmful effects. 

A flimsy, thin mask will not be enough for this type of work. An N95 mask is recommended to clean mold, and it can be very expensive. You should also wear goggles and gloves. 

Whatever clothing you wear to remove mold colony must be washed immediately afterward or even discarded. Mold is capable of sticking to your clothing and spreading to other clothing if washed together. 

These are only a few of the many things you’ll need to safely and successfully remove mold growth on your own.

Unlike mold removal professionals, chances are you do not possess the equipment or the experience to get the job done. Unfortunately, mold remediation is expensive and only gets more costly if the problem is severe enough. 

It can be a difficult task and a pricey one but in comparison to the physical and mental effects mold growth has on people, it’s decidedly worth it.

That’s why many people get in touch with an independent insurance adjuster by searching online for “public adjuster near me” and find a local public insurance adjuster in their area who can assess the mold growth, regardless of whether it’s black mold, white, or even another type.

If you happen to live in New York, New Jersey or Connecticut, we invite your to contact our team here at JF Public Adjusters, where we offer a complimentary, no-obligation, on-site survey and policy assessment.

How to Prevent White Mold Growth

Outside of isolated spore growth on clothes, furniture, and surfaces, once you begin to suspect that white mold is growing, the best course of action is to get a professional mold survey and assessment.

The other option is to prevent the growth of white mold before it ever can begin. 

Most important in your fight against this difficult problem is controlling the moisture level in your home or business. 

If you have a broken appliance, bad ventilation, a leaky roof or pipes, broken gutters, or issues with flooding you can find yourself experiencing spore growth of this type. 

Once you get the visible spores removed, if you don’t solve the root moisture problem, it will always return.

Make sure to regularly check for white mold in basements, crawl spaces, and attics for visible white mold or a noticeably musty smell. 

Always ensure that your clothing is thoroughly dried before hanging it up or folding it up in your drawers to prevent white mold growth.

If you find white mold growth on clothing, use hot water and vinegar to kill the spores. 

Always be sure to keep your property clean and tidy. Dirt and debris like crumbs, paper, cardboard, and other organic materials can be used as viable food sources for white mold to grow and multiply. 

How to Prevent White Mold Growth

White mold can be a wide variety of mold species, and it can grow in several different places that we live and work in.

White mold proliferates, with only a few ingredients needed to facilitate widespread mold growth.

As moisture from water damage is common, anyone can be a victim of white mold growth.

White mold might not even be visible until it has multiplied into large colonies, which will negatively impact both the value of your property and your physical health. 

Removing black mold, white mold or any type of mold is essential, but it is recommended that you seek professional help in doing so to ensure the problem is thoroughly and safely dealt with. 

Other than practicing vigilant prevention to keep mold from growing in the first place, you will best solve your mold problem by utilizing professional mold remediation servixces. 

Whatever your decision, the consequences of living and working with dangerous spores can wreak havoc on your home and work life. 

To ensure your health and safety, do whatever you can to avoid prolonged exposure to any sort of mold growth. 

Also, if you’re in the New York, New Jersey or Connecticut area, we invite you to contact us here at JF Public Adjusters, where we’re widely considered the leading public adjusters serving the local property damage experts, and where we offer a free on-site survey and policy assessment.


Friday, September 10, 2021

JF Public Adjusters NJ is Pleased To Spotlight The Complimentary On-Site Survey and Policy Assessment They Offer To Potential Clients

JF Public Adjusters, the Leading NJ Public Adjuster is Proud to Offer a Free On-Site Visit and Policy Assessment for those Who Have Experienced Property Damage

New Jersey City, NJ – JF Public Adjusters, the leading team of NJ Public Adjusters is proud to spotlight the free property damage on-site survey and policy assessment they offer to potential clients who’ve experienced property damage throughout New Jersey. 

This team of New Jersey Public Adjusters assists policyholders who’ve experienced property damage and who want to ensure they receive the maximum amount of compensation from the insurance company. 

During the free on-site survey and policy assessment, they will inspect any damage and loss you’ve experienced, review your insurance policy for what coverage you have, and explain what settlement payout they believe you’re entitled to. Next, they will discuss your personal situation and how they could help you if you decided to work together. 

Joel Follman, the owner and founder of JF Public adjusters, said during a recent interview, “The complimentary on-site survey and policy assessment is a powerful tool for property owners who’ve experienced property damage or losses because it allows them to get a clear and accurate idea about what they might expect to receive. Moreover, it allows us as the public adjuster to advise a potential client on the best course of action to take.”

He further said, “The policyholders are usually dealing with so much that sometimes just thinking about the damage causes so much stress it can make dealing with the insurance companies almost impossible. However, when a potential client takes advantage of our complimentary on-site survey and policy assessment, it can provide a great deal of stress relief, because they have a much greater degree of clarity about what steps they need to take next and how they can protect their rights as a policyholder throughout the insurance claim.”

JF Public Adjusters in NJ is a team of highly skilled and reputable New Jersey Public Insurance Adjusters who have been helping the local New Jersey residents for some time. Moreover, the team has received countless five-star reviews from the clients who have trusted them to assist with their insurance policy claim in the past. Their team of insurance experts can handle fire damage, water damage, smoke damage, flood damage, and other types of property damage claims with their years of experience and expertise. To contact JF Public Adjuster NJ, you can call their office directly, email them, or submit a form on their website.

To learn more about them, you can visit: JF Public Adjusters in New Jersey 

Contact Info:

Name: Joel Follman
Company: JF Public Adjusters NJ
Address: 730 Garfield Ave, Jersey City, NJ, 07305
Phone: 551-309-2220


Monday, June 28, 2021


JF Public Adjusters in New York receives yet another glowing five-star review on their Google My Business Profile.

Brooklyn, NY – JF Public Adjusters, a top-rated NY Public Adjuster providing services throughout the five boroughs, is delighted to announce they’ve recently received another glowing five-star review from another New York property damage insurance client.

The latest review was left by Chrissy Kalman, who shared the following sentiment,”I called Joel when a pipe burst in my house. That was the best decision I made. He dealt with the insurance company for me and provided great results. I highly recommend calling Joel if a public adjuster is needed. You will not regret it!!”

During a recent interview, owner and founder Joel Follman had the following to say, “I was absolutely thrilled to read our latest review; I see our reviews as a gauge of how successfully we’re helping our New York public adjuster clients and the level of customer services we’re offering them” he went on to say,” “when I read a review like that it shows we’re doing things right, and it’s very encouraging for both myself and our amazing team” He then went on to conclude,” “our reviews are also one of our best forms of advertising, when someone searches” “public adjuster near me” and we show up, and they read a review like the one recently left, it builds trust and offers an idea of what doing business with our team at JF Public Adjusters in New York is like”

JF Public Adjusters is one of the most sought-after teams of NY public adjusters. They provide complete claim assistance services to insurance policyholders dealing with property damage throughout New York, Upstate New York, New Jersey, Connecticut and Pennsylvania. Their team of independent adjusters work closely with their clients to ensure they receive the maximum insurance payout they’re entitled to on each claim! Suppose you’re looking for professional help as a victim seeking compensation after sustaining accidental or intentional property damage. In that case, you can contact JF Public Adjuster in NY directly by calling their office or submitting a form on their website.

More information can be found at JF Public Adjusters NJ

Contact Info:

Name: Joel Follman
Company: JF Public Adjusters NJ
Address: 730 Garfield Ave, Jersey City, NJ, 07305
Phone: 551-309-2220


Monday, May 10, 2021


JF Public Adjusters NJ is excited to announce the newest member of their team of expert New Jersey Public Adjusters starting in May 2021.

Jersey City, NJ: JF Public Adjusters, a New York City-based team of public adjusters with offices in New York, New Jersey, Connecticut and Pennsylvania, are incredibly excited to announce their newest team member and NJ Public Adjuster, Olivia Marraccino

Olivia Marraccino will be working with the company’s New Jersey Public Adjuster clientele with insurance claim assistance services. Listed below are her client service details:

Office Location:              Jersey City, New Jersey
Service Area:                 State of New Jersey
Position:                         Lead New Jersey Public Insurance Adjuster
Phone Number:             (551) 309-2220

During an interview with company founder and owner Joel Follman, he went on to share the following sentiment: “We’re very excited to have Olivia head our team of NJ Public Adjusters, we’ve been looking for the right person who has the personality, skillset, and experience to help our New Jersey insurance claim assistance clientele, and we’re incredibly grateful to have Olivia join our team, and our clients are incredibly lucky to have her as an asset in their corner.”

He went on to say, “As a fast-growing company in an industry that requires extreme attention to detail, we knew we needed someone who not only had the credentials, but the skillset to assist our clients in the way they’ve come to expect when they hire JF, to work on their behalf as their New Jersey Public Insurance Adjuster.”

JF Public Adjusters is one of the most sought-after teams of NJ Public Adjusters. They provide complete claim assistance services to insurance policyholders dealing with property damage throughout New Jersey, New York, Connecticut, and Pennsylvania. Their team of independent adjusters works with their clients to ensure they receive the maximum insurance claim settlement pay-out they’re entitled to. To learn more about this company and what they do, you can visit their website, submit a contact form, or call them directly by phone.

More information can be found at JF Public Adjusters NJ

Contact Info:

Name: Joel Follman
Company: JF Public Adjusters NJ
Address: 730 Garfield Ave, Jersey City, NJ, 07305
Phone: 551-309-2220


Thursday, April 22, 2021

New Jersey Public Adjuster Services Now Being Offered By JF Public Adjuster NJ

One of the leading Public Adjusters in NY has Now Expanded to a Second Location in Jersey City, New Jersey Allowing Them To Offer Complete NJ Public Adjuster services

JF Public Adjusters is pleased to announce they now offer complete New Jersey public adjuster and insurance claim assistance services with their new Jersey City, NJ location. 

JF Public Adjuster NJ is a highly-rated public adjuster service that has been helping their clients throughout the state of New York for quite some time. However, due to the numerous requests they’ve received from people in the garden state looking for a skilled public adjuster in New Jersey, they are happy to announce the opening of their second location, allowing them to better serve new and existing clients in the state of New Jersey. 

JF Public Adjusters are expert public adjusters specializing in property damage insurance claims. They work with property owners and policyholders to assess the scope of the property damage, prepare the insurance claim documentation, and ultimately- remove the stress that so many property owners and policyholders experience when going through the insurance claim process. Furthermore, they deal directly with the insurance companies to get their clients the maximum insurance claim settlement payout their policy entitles them to. 

In only a short amount of time, the company has already received numerous five-star reviews from their public adjuster clients on their New Jersey Google My Business profile. “The overwhelming reception and response we’ve received from our New Jersey location clients have been nothing short of unbelievable,” stated Joel Follman, JF Public Adjusters in New Jersey owner. He continued, “We’d spoken to a number of people who told us, “I just want a reliable NJ Public Adjuster near me, instead of having to hire someone from out of state.” He then went on to say, “We were pretty certain there was a need for a service like ours in the area. However, the people here have been so incredibly warm and welcoming to us, and it confirms we made the right decision to open our second location right here in the garden state.”

These are just a few of the reviews left on the JF Public Adjusters New Jersey Google My Business Profiles. Eric Lutz shared the following about his experience working with the company, “Joel was a great help in settling an insurance claim with roof damage and recovering enough funds to proceed with a full replacement. I would highly recommend his services for anyone pursuing a public adjuster to navigate such a process.” Client Bob Russell had this to say, “Joel was outstanding throughout the claim. He initially explained the process thoroughly and routinely provided updates as to where our claim stood. He fought with the insurance company to get us what we deserved, and in the end, he came through on everything that he said he would. I highly recommend him and would use him myself in the future if his services were ever needed again.”

With an incredible track record of success, this company is excited to meet the people of their new community and learn more about how they can provide help to their new neighbours with all manner of insurance policy claim assistance and public adjuster services. 

JF Public Adjusters is one of the most highly-rated NJ Public Adjusters. They provide insurance claim assistance services to policyholders in New Jersey, New York, Connecticut and Pennsylvania. Their NJ Public Insurance Adjusters team works with property owners to assist them through the claims process to help them receive the maximum insurance settlement payout. To learn more about what JF Public Adjusters does, you can get in touch with them directly by phone, email or by completing a form on their website. 

More information can be found at 

Contact Info:

Name: Joel Follman
Company: JF Public Adjusters NJ
Address: 730 Garfield Ave, Jersey City, NJ, 07305
Phone: 551-309-2220


Wednesday, February 3, 2021

JF Public Adjusters NY Continues To Serve Local Clients With Enhanced COVID-19 Protocol

JF Public Adjusters in New York City has implemented an enhanced safety protocol amid COVID-19 allowing them to continue to serve their NY Public Adjuster clientele.

New York City, NY – JF Public Adjusters NY announced today it has enhanced its already in place safety practices to further protect homeowners and business owners during the continuing COVID-19 pandemic.

Property damage doesn’t stop occurring when external circumstances like the COVID-19 coronavirus pandemic continue to impact all areas of our daily lives. In fact, with the recent and continuing shutdowns and stay-at-home orders except for essential travel and work, it’s becoming increasingly important that any incidents or property damage are resolved so homeowners and employees can continue to inhabit these spaces safely.

Moreover, it’s critical that public adjusters are ready and prepared to respond and act quickly to assist property owners with any property damage leading to an insurance claim. Therefore, any losses can be recovered rapidly, and any damage repaired expediently to ensure a safe living or working environment.

This NY Public Adjuster has stated they will continue to observe the COVID-19 pandemic, adhering to the Centers for Disease Control (CDC) guidelines and following local and state coronavirus protective measures. Also confirmed by this New York public adjuster, the firm has implemented a series of additional steps and efforts to protect every member of their team and their customers and to minimize the virus’s potential spread.

Some of the protective measures they’re currently using to protect their customers, staff members and the general public include:

Reviewing and submitting contracts electronically

Contact-less document delivery

Using phone and online scheduling

Sanitizing hands before and after any in-person appointment

Wearing a mask at any in-person appointment

Send images, reports, policy documents via email

Accepting property damage issues from customers when acceptable

Repairing any property damage and settling any related insurance claims quickly is critical, especially in uncertain times, with such a large percentage of the population required to remain indoors at their residence, and in many cases, indoors at their place of employment. “Helping our clients settle their claims for the maximum amount and as quickly as humanly possible is our primary concern,” stated Joel Follman, founder of JF Public Adjusters in New York City. “We are very aware that in many cases, our clients need to live or work in the building that’s being impacted by the property damage. Also, with the COVID restrictions and social distancing, it can leave them with few options, so handling claims for our clients quickly has been a primary objective of ours.”

JF Public Adjusters is one of the most highly rated NY Public Insurance Adjusters. They provide insurance claim assistance services to policyholders in New York, New Jersey and Pennsylvania. Their team of NY Public Insurance Adjusters works with property owners to assist them through the claims process and ensure they receive the maximum settlement payout. To learn more about the services JF Public Adjusters offers, you can contact them directly by phone, email or through their website.

More information can be found at JF Public Adjusters

Contact Info:

Company: JF Public Adjusters
Address: 1758 61st St, Brooklyn, NY 11204
Phone: (917) 272-8793

Media Contact
Company Name: JF Public Adjusters
Contact Person: Joel Follman
Email: Send Email
Phone: (917) 272-8793
Address:1758 61st St
City: Brooklyn
State: NY
Country: United States


Tuesday, September 1, 2020

9 Benefits of Hiring a Public Adjuster

“Why would I hire a public adjuster for an insurance claim when I can handle it myself?”

Have you asked yourself the same question? It’s a common question we’re asked here at JF Public Adjusters, and quite frankly, it’s a fair one. 

In this article, we’re going to be discussing the various benefits of hiring a public insurance adjuster versus going against the insurance companies yourself.

Here’s the deal, navigating the insurance claim process can be challenging and muddy even when you’re familiar with the insurance industry. Let alone if you’re someone who’s experiencing their first foray into the insurance claim arena.

The problem is, although it can often appear or seem as though the insurance provider is trying to assist you, in reality, they’re doing what is in their best interest. 

The unfortunate thing is this means they’re doing everything to ultimately decrease, lessen, or eliminate the need to process your settlement payment.

A Public Insurance Adjuster is your secret weapon in these complicated situations relating to insurance. Not only do they work on your behalf, their compensation is directly related to the settlement amount they’re able to help you receive. 

That means a public adjuster only gets paid if YOU get paid, so their success is tied to your success, which is what makes it such a powerful and beneficial relationship. 

So with that in mind, let’s look at some top benefits of hiring a public adjuster.

So, without any further ado, let’s look at: 

The 9 Benefits of Hiring a Public Adjuster.

Benefit #1 – Understanding the Insurance Policy Language

The insurance providers know their business well, and probably their greatest weapon is the insurance policy agreement. Often, due to a lack of understanding of the agreement’s clauses, a policyholder can find themselves ineligible because of minor mistakes. That’s why understanding “Insurance Policy Language” is so important.

Based on this point alone, I’m sure you can see some benefits of having a public adjuster in your corner.

Your public adjuster will work on your behalf in a situation like this, analyzing the property damage, dive deeply into reviewing your insurance policy, and making sure every “i” is dotted and “t’s crossed, so your claim is processed quickly, smoothly, and for the maximum allowable amount.

Remember: Public Insurance Adjusters are independent insurance experts themselves, who deal with the policy providers on a daily basis, so they know how to handle and navigate every aspect of the insurance claim and settlement process.

Benefit #2 – You Get Experience On Your Side

There’s an old adage that goes like this…

When a man with money meets a man with experience, almost always the man with experience leaves with the money, and the man with money leaves with the experience.

Don’t let this happen to you!

Public adjusters regularly deal with the insurance claims, understand the tricks of the trade, and understand how to maximize their business’ profitability (and that means paying out the least amount to the policyholders.)

Your qualified public insurance adjuster allows you to level the playing field and punch up a weight class by utilizing their independent expertise and experience.

Benefit #3 – Estimating the Damage

Are you qualified to estimate property damage yourself? Do you trust the insurance estimators to do it for you?

You’d be surprised to know that the public adjusters are incredibly knowledgeable and experienced when it comes to preparing detailed reports of damage.

This report plays a vital role in determining the success of your insurance claim. Again, another important reason to have an expert in the insurance field is working on your behalf.

Benefit #4 – Save your Time

Applying for a claim isn’t just limited to submitting the information. There are several other aspects involved. For instance, you need to take photographs of the damaged area to show as evidence. Similarly, you’ll need to share information about the reported damages. The insurance company may request documents and details regularly.

Put simply, this process requires a lot of time and effort. You’re likely busy in your day-to-day life. So let me ask you – do you have time to handle all of this.

Again, a public adjuster takes care of these elements on your behalf so you may continue your regular daily routine being interrupted or bothered by the cumbersome insurance claim process.

Benefit #5 – Work With Licensed Professionals

In most states, public adjusters can only provide their services if fully trained and certified. Training and certification are certainly required for NY Public Adjusters, NJ Public Adjusters, and those in Pennsylvania. 

They also must maintain and stay current with these certifications. So, when hiring a public adjuster, you can appreciate a level of comfort knowing that knowledgeable professionals are managing the claim.

Benefit #6 – They Represent the Policyholder

The insurance company may ask you to work with their adjuster to submit the claim. This is certainly not something we’d recommend. Why? Because in reality, whether they’re receiving kickbacks or commissions or some other benefit, they’re working in the insurance company’s best interest.

You could liken it to working with the other side’s lawyer in a divorce or personal injury.

On the other hand, the public adjuster represents the policyholder throughout the process.

Benefit #7 – Faster Resolution

The public adjuster should leave no stones unturned when processing an insurance claim. Here’s the thing: They’re incredibly familiar with the entire process of filing a claim, allowing them to process it and complete it in a fraction of the time it would take someone else unfamiliar with the process.

Moreover, this is what they do; it’s their full time profession. So when compared to a policyholder trying to process the claim during any free time they have, it should be no surprise that those who work with a public adjuster typically see a resolution in a fraction of the time compared to those who don’t.

Benefit #8 – No Upfront Cost

When you’re hiring a public adjuster, you won’t have to pay them a single penny upfront. Who doesn’t love a deal like that?

The public adjuster bears all the expenses on his own unless the claim is completed and settled. After the settlement, they will get a specific percentage of the claim based on your initial agreement.

Benefit #9 – Fair Claim Value

The public adjusters always go above and beyond the limits to ensure you get the maximum amount you’re entitled to.

In fact, statistics show those who work with a public adjuster, on average, see close to 3x the claim amount compared to those who don’t. In fact, you can see an exact statistic on the JF Public Adjuster homepage.


A public adjuster is a licensed professional who can help file an appropriate claim for your property’s damage, and the benefits of hiring a public adjuster are endless. They represent you with a high degree of specialized insurance industry knowledge and expertise, completely removing this complicated and stressful process from your plate. 

To get an even great understanding of a Public Adjuster, you might be interested in reading our article entitled – What Is a Public Insurance Adjuster. 

If you have a question and you’d like to speak to the experts here at JF Public Adjusters NY and NJ, we invite you to click the button below to contact us today.


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