Picking the right help early saves time and money. Here’s how the three roles differ in New Jersey.
Appraiser
Works inside the policy’s appraisal clause to value the amount of loss. Best when coverage is accepted and the dispute is about money. Paid by the side that names them.
Public adjuster
Licensed by the New Jersey Department of Banking and Insurance to represent policyholders in preparing and negotiating claims. Often involved from the start of a claim. Usually paid a percentage of the settlement, under terms set by state rules.
Attorney
Handles coverage denials, bad-faith claims, lawsuits and deadline problems. If your claim was denied or a suit deadline is close, start here.
Quick guide
| Situation | Usually best first call |
|---|---|
| Coverage accepted, number disputed | Appraiser |
| Large, complex claim from day one | Public adjuster |
| Claim denied or deadline near | Attorney |