Public Insurance Adjuster FAQ
Posted on: 11 January 2023
A public adjuster is a professional who represents policyholders in insurance claims. They work on behalf of policyholders to ensure that they receive a fair settlement from their insurance company for damage to their home or business. Many people are unfamiliar with them, however, and have common questions about what these insurance professionals do.
What Are Public Insurance Adjusters?
Public adjusters are licensed and insured professionals who are trained to understand the complexities of insurance policies and claims. They are familiar with the claims process and know how to negotiate with insurance companies to get a fair settlement for their clients.
Who Do Public Adjusters Work For?
Insurance companies have their own adjusters who are responsible for evaluating insurance claims and determining the amount of compensation that will be paid to the policyholder. These adjusters, also known as company adjusters, work for the insurance company and represent the interests of the company in the claims process.
While company adjusters are responsible for evaluating claims and determining the amount of compensation that will be paid, policyholders have the right to disagree with the amount of the settlement offered by the insurance company. In these cases, policyholders may choose to hire a public insurance adjuster to represent their interests and negotiate with the insurance company for a fair settlement.
Public insurance adjusters work for policyholders, not insurance companies. They are hired by policyholders to represent their interests in insurance claims and to negotiate with the insurance company to get a fair settlement for damages to their home or business.
By hiring a public insurance adjuster, policyholders can have peace of mind knowing that their interests are being represented and that they are receiving a fair settlement from their insurance company — because they work only for you.
What Do Public Adjusters Do?
One of the main roles of a public adjuster is to assess the damage to the policyholder's home or business and determine the cost of repairs. They will gather documentation, such as estimates and invoices, to support the policyholder's claim. They will also review the policyholder's insurance policy to ensure that the damages are covered and to determine the appropriate amount of the claim.
Once the public adjuster has assessed the damage and determined the cost of repairs, they will negotiate with the insurance company to get a fair settlement for their client. This may involve presenting the evidence and documentation to the insurance company, as well as advocating for the policyholder's rights and interests.
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