The Difference Between A Public Adjuster And An Insurance Adjuster

When it comes to insurance claims, it can be difficult to navigate the process and get the settlement you deserve. That's why many people turn to either a public adjuster or an insurance adjuster for help. But what is the difference between these two professionals, and how can you determine which one is right for you?

Public Adjuster 

A public adjuster is a professional who works on behalf of policyholders to help them negotiate insurance claims. Public adjusters are hired by the policyholder, and their fee is typically a percentage of the settlement they secure. Public adjusters are independent contractors who are not affiliated with insurance companies and are not employed by them.

One of the main benefits of working with a public adjuster is that they have a strong understanding of insurance policies and the claims process. They can help you understand your policy and make sure that your claim is properly documented. Additionally, public adjusters can negotiate with insurance companies on your behalf, helping you secure a fair settlement.

Insurance Adjuster

An insurance adjuster, on the other hand, is an employee of an insurance company. They are responsible for investigating insurance claims and determining the amount of the settlement. Unlike public adjusters, insurance adjusters do not work for the policyholder; they work for the insurance company.

The main benefit of working with an insurance adjuster is that they have a thorough understanding of insurance policies and the claims process. They can provide you with valuable information about your policy and help you understand your rights and obligations. Additionally, insurance adjusters have access to a wealth of resources that can help you resolve your claim quickly and efficiently.

Which One is Right for You?

The decision to work with a public adjuster or an insurance adjuster depends on your specific needs and the type of insurance claim you are pursuing. If you are looking for an advocate who will fight on your behalf, a public adjuster may be the right choice. However, if you prefer to have a neutral party who can provide you with objective information and guidance, an insurance adjuster may be a better option. Both public adjusters and insurance adjusters can be valuable resources when it comes to negotiating insurance claims, but the right choice for you will depend on your specific needs. So be sure to consider your options carefully and choose the professional that best meets your needs.