What is a Public Adjuster?
A public adjuster is an independent insurance professional who works on behalf of the policyholder, not the insurance company. Their role is to help individuals or businesses settle property damage claims by evaluating the extent of the loss and negotiating with the insurance company. They provide expertise in interpreting insurance policies and ensuring that the policyholder receives the maximum payout they are entitled to under their coverage.
Public adjusters are commonly used after fires, floods, or other property-related damages. Homeowners and business owners can benefit from their services when the claims process becomes complex or they feel the insurance company’s offer is too low. The adjuster will thoroughly review the insurance policy, inspect the damage, document everything necessary, and negotiate with the insurer to help achieve a fair settlement.
The primary difference between a public adjuster and an insurance adjuster from the insurance company is that the public adjuster exclusively advocates for the policyholder’s best interest, ensuring no loss details are overlooked and that the settlement is maximized.