Adjuster Breakdown

A public adjuster and an insurance adjuster serve different roles in the insurance claims process:

1. Insurance Adjuster (Company Adjuster):

• Employed by the insurance company.

• Responsible for investigating insurance claims filed by policyholders.

• Evaluates the extent of damage, determines coverage, and negotiates settlements on behalf of the insurance company.

• Represents the interests of the insurance company.

2. Public Adjuster:

• Works independently and is hired by the policyholder to represent their interests in the claims process.

• Evaluates the extent of damage, prepares documentation, and negotiates with the insurance company for a fair settlement on behalf of the policyholder.

• Advocates for the policyholder’s rights and interests, aiming to maximize their claim payout.

• Typically, public adjusters charge a percentage of the final claim settlement as their fee.

In summary, while both adjusters deal with insurance claims, their allegiances differ: the insurance adjuster represents the insurance company, while the public adjuster represents the policyholder.