Public adjusters are professionals who assist a policy holder in preparing and filing insurance claims, in case a damage is incurred by the policy holder, to his/her property. The policy holder employs a New Jersey public adjuster, as the adjuster will take care of the claim entirely. He will make sure that the policy holder gets a fair settlement on his/her loss. The reason to get a public adjuster is that the insurance company will pay an amount for your loss, which is exactly the amount, mentioned in the insurance contract, and which is required to repair the damage. They won’t pay a penny more or less.