When a claim goes sideways, property owners often call the first professional they hear about. But appraisers, public adjusters and attorneys do very different jobs. Here is how to tell which one fits.
Call an appraiser when the dispute is about money
If the insurer has accepted your claim but you disagree about the amount, an appraiser can value the loss and represent you in the appraisal process. The result is a binding award on the amount of loss once two of three panel members sign. Appraisers do not decide coverage and do not give legal advice.
Call a public adjuster when you need help managing the whole claim
A licensed public adjuster represents you through the claim process, preparing the claim and negotiating with the insurer. Public adjusters are licensed by the state and are often hired early, sometimes right after a loss, and are typically paid a percentage of the settlement.
Call an attorney when the problem is legal
If your claim was denied, the insurer is relying on an exclusion, a deadline is close, or you believe the insurer acted in bad faith, a South Dakota attorney is the right call. Only an attorney can give legal advice and file suit.
A quick comparison
| Situation | Usually the best first call |
|---|---|
| Claim accepted, amount disputed | Appraiser |
| Need help preparing and presenting the whole claim | Public adjuster |
| Claim denied or coverage disputed | Attorney |
| Suit limitation date approaching | Attorney |
| Want to know if the carrier’s estimate is fair | Appraiser for an estimate review |
Can they work together?
Yes. Attorneys and public adjusters often bring in appraisers when a claim reaches appraisal. The key is that each professional stays in their own lane.
Not sure where your claim stands? Send us the details and we will tell you honestly whether appraisal fits.