How to Use This Glossary
These plain-language definitions support homeowner and partner education. They are not legal definitions and may vary by policy.
Core Terms
Public adjuster
A licensed professional who may represent an insured on a property insurance claim for a fee, subject to state law and a written agreement.
Denial
A carrier decision that the claim is not covered or not payable as presented.
Underpayment / partial approval
A decision that recognizes some payable amount while leaving other scope or pricing unresolved.
Appraisal
A policy process that may resolve certain amount-of-loss disputes when authorized and appropriate.
Recoverable depreciation
Portion of depreciation that may become payable when policy conditions are met.
Scope
The work items and quantities associated with repairing or replacing damaged property.
Date of loss
The date associated with the reported damage event.
Engagement agreement
The written contract that creates the public-adjuster relationship and defines fees and scope of work.
What This Does Not Mean
Glossary entries are educational only and do not interpret your specific policy or create a professional relationship.