Who We Are

Salt Lake Public Adjusters is a locally owned and operated team of licensed public adjusters founded in Salt Lake City, Utah. What started as a small, local firm helping Utah homeowners navigate tough insurance claims has now grown to serve clients across Utah, Nevada, California, Colorado, Arizona, and Oregon.

Our mission remains the same: to help everyday people navigate complex insurance claims with confidence and clarity.

Our team began their careers inside the insurance industry — learning firsthand how carriers evaluate, delay, and deny claims. That insider knowledge is now your greatest advantage. We know how insurance companies operate, and more importantly, we know how to fight back to get you the settlement you truly deserve.

Founder of Salt Lake Public Adjusters

Dylan Young started his career on rooftops — not behind a desk. As a contractor, he helped hundreds of homeowners repair storm-damaged roofs, but too often watched their valid claims get denied or underpaid. Determined to make a difference, he became an insurance adjuster, handling over 1,000 claims for 20+ carriers and learning exactly how the system works from the inside.

When Dylan discovered that Public Adjusters advocate solely for homeowners, everything clicked. He combined his contractor expertise, insider knowledge, and passion for fairness to create Salt Lake Public Adjusters — a firm dedicated to protecting policyholders and maximizing their settlements.

With a 97% success rate and 40+ years of combined experience, our team knows how to fight for what’s right and make sure you get the settlement you deserve — not just what the insurance company offers.

Elevate Your Claim Recovery Experience with Us

What Does a Public Adjuster Do?

A public adjuster is a licensed insurance expert who handles your claim from start to finish. We inspect the damage, interpret your policy, and negotiate directly with your insurance company to ensure you receive the maximum settlement you’re entitled to

A public adjuster is a licensed insurance expert who handles your claim from start to finish. We inspect the damage, interpret your policy, and negotiate directly with your insurance company to ensure you receive the maximum settlement you’re entitled to

Yes. Public adjusters must be licensed by the Insurance Department and follow strict state regulations — including passing an exam, completing background checks, and maintaining continuing education to stay in good standing.

It depends on your situation. Consider your deductible, the estimated repair costs, and the potential impact on your future premiums before deciding to file a claim.

No. You’re not required to use the contractor your insurance company recommends. You have the right to get multiple bids and choose the contractor you trust most.

A standard homeowners insurance policy typically covers your home’s structure, other buildings on your property (such as garages, sheds, or fences), personal belongings, and personal liability.
In many cases, your policy may also include coverage for additional living expenses — like hotel stays and meals if your home becomes unlivable — as well as legal fees if you’re held liable for injuries or damage.

There are three main types of insurance adjusters:

  • Insurance Company Adjusters – Work directly for the insurance company and protect the company’s interests.

  • Independent Adjusters – Hired by insurance companies as outside contractors to handle claims on their behalf.

  • Public Adjusters – Licensed professionals who represent you, the policyholder. They work exclusively for homeowners and business owners — never the insurance company.

Public adjusters are sometimes also called loss adjusters, private adjusters, or private claims adjusters — all of which mean the same thing: someone who fights to maximize your claim, not minimize it.

No. A standard homeowners insurance policy does not cover flooding or mudslides. To protect against flood damage, you’ll need a separate policy — either through FEMA’s National Flood Insurance Program (NFIP) or a private flood insurance provider.

Yes. Many homeowners bring us in after they’ve filed, after a denial, or when they receive a low offer from their insurer. We can step in at any stage of the process to strengthen your claim, speed up communication, and help you secure a higher payout.

If your insurer denies your claim, you still have options. You can hire a public adjuster to review and reopen the claim, file an appeal through your insurer’s dispute process, or consult an attorney if further legal action is needed.

Insurers raise rates because of higher risk. That higher risk could come from higher repair costs (including higher labor and material expenses) or an increased likelihood of a claim (say, if there’s more severe weather or if you’ve previously made a claim).

Yes, in most cases, insurance premiums increase after a claim is paid out. The amount varies depending on the type and severity of the claim, but rate hikes typically range from 10% to 30%, especially if you’ve filed multiple claims in the past.

Absolutely. Large insurance claims can have a major impact on your finances and peace of mind. When significant money is at stake, having an expert on your side makes all the difference. We handle the entire process, fight for the maximum settlement, and you only pay if we win — making us a truly risk-free partner.

Restoration Projects that Span Every Type of Damage

From fire and water to storm, mold, and plumbing losses — Salt Lake Public Adjusters has helped homeowners across Utah recover what they’re truly owed. Every project represents a family restored, a home rebuilt, and a promise kept: to fight for fair settlements and full recovery.

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