Licensed Public Adjuster — Wailuku, HI
Licensed, independent, and on your side — from first call to final check.
When an insurance company sends its own adjuster to evaluate your damage, you need someone in your corner with equal expertise. Robert is a licensed public adjuster based in Wailuku, HI, who represents policyholders — not carriers — through every stage of the claims process. From the initial inspection to the final check, Robert documents, negotiates, and advocates on your behalf. License #315674.
Tell Robert about your claim.
Share what happened and review your policy and damage together.
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
Public adjusters typically work on contingency — a percentage of what's collected, disclosed in writing up front.
State license
315674 · HI
Issued by Hawaii Department of Insurance
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Illustrative examples of how common claim types unfold in Hawaii — general education, not results of Robert Hugh Joslin. Actual outcomes depend on policy language, damage, and timing.
Initial BI payouts are often based on conservative projections. A forensic profit-and-loss reconstruction — with seasonality, trend, and extra-expense categories documented — is how businesses substantiate the real loss and the full period of indemnity.
Initial carrier estimates frequently miss covered line items. Careful scope review, supporting photographs, and code-required documentation are the basis for supplemental payments — the standard path for returning a policyholder closer to whole after an underpaid claim.
Be the first to share your experience with Robert.
A licensed public adjuster works for the policyholder — not the insurance company. They document damage, interpret the policy, and negotiate with the carrier on the policyholder's behalf, handling the paperwork, inspections, and calls throughout the claim.
Public adjusters typically work on contingency — a percentage of the settlement they recover — with fee terms regulated by state law and disclosed in a written contract before work begins. Ask any adjuster to walk you through their fee agreement up front.
Generally, the earlier the better: involving one before or right after filing means the damage gets documented properly from the start. Even after a denial, delay, or low settlement, a public adjuster may be able to reopen the claim and pursue a supplement.
Usually the opposite. Carriers tend to respond faster when a licensed professional is managing the paper trail, deadlines, and inspections, because the documentation arrives in the form carriers expect.
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for the policyholder. Same job title — opposite sides of the table.
General information about how public adjusters work in Hawaii — not statements written by Robert.
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