What is the Difference Between an Insurance Adjuster and a Public Claims Adjuster?

At first glance, the job of a public claims adjuster and an insurance adjuster is nearly the same. Then why do you need to hire a public adjuster when your insurance company is already appointing an insurance adjuster for you free of cost? Here is the answer to this.

Insurance Adjuster vs. Public Claims Adjuster

The insurance adjuster is hired by your insurance company to assess the damage that you have filed an insurance claim for. They are licensed insurance professionals with many years of experience in the field. They have immense knowledge of property insurance and may have prior experience in construction too. That is why insurance adjusters are quite capable of assessing damages accurately and generating a correct estimate.

The Downside of Relying Only on an Insurance Adjuster

But an insurance adjuster is working on behalf of the insurance company. Since the company will be paying out the amount you have claimed, it is likely that they would try to lower the estimate as much as possible. This is natural as the insurance company will want to save on the payout and increase their profit. The insurance adjuster represents your insurance company, and so they will always try to satisfy their interests first.

Why Is a Public Claims Adjuster Necessary?

A public claims adjuster, on the other hand, is appointed by you -the insurance policyholder. The public claims adjuster is also an equally qualified, licensed insurance professional working independently. They may also have relevant experience in the field and abundant knowledge about insurance and claims processes. The biggest difference here is that the public claims adjuster that you hire will work for you.

Unlike the insurance adjuster appointed by the insurer, the public claims adjuster has your best interests in mind when assessing damages. This means they will make sure that every little damage is covered in the estimate. They will conduct a thorough investigation process to ensure that no damage is left unaccounted for. A public claims adjuster carefully inspects the situation and advocates your case during and even after the claims process.

Public claims adjusters are also expert negotiators. They can negotiate with the insurance company to get you the maximum payout covering all the damages you have suffered. A skilled public claims adjuster may sometimes be able to settle the claim with a payout even higher than what was initially agreed between the insurer and you.

In other words, a public claims adjuster makes sure that the claim is always settled in your favor.

Contact Us to Hire a Reliable Public Claims Adjuster

When choosing a public claims adjuster to help you with your insurance claims, make sure that you pick one that is reliable and trustworthy. Check the public adjuster's credentials and experience. One with a good track record and positive client reviews is ideally more reliable. The public claims adjuster you choose should also be quick to respond to your queries and invested in the job they are hired for.

If you are looking for a trusted public claims adjuster in Missouri, Texas, Illinois, Florida, or other states, call Claims Adjusters. We offer residential and commercial public insurance adjuster services nationwide, and look forward to working with you.