Common Questions What is a Public Insurance Adjuster ? Public insurance adjusters are licensed by the State of Michigan to represent your interests only in the negotiation and ultimate settlement of your insurance claim. We are the consumer advocate working solely for you. What Kinds of Disasters Do They Handle ? American Adjusters and Appraisers, Inc. handles any disaster covered under your property insurance policy and its endorsements, such as: Fire Theft Smoke Damage Floo