The Difference Between a Public Adjuster and an Insurance Company Adjuster

When filing an insurance claim, you may work with an adjuster. But did you know there are two types? Understanding the difference between a public adjuster and an insurance company adjuster can help you navigate the claims process more effectively.

What Is an Insurance Company Adjuster?

An insurance company adjuster works for the insurance provider, not for you. Their primary role is to assess the damage and determine how much the insurer should pay.

Responsibilities of an Insurance Company Adjuster

• Investigating claims by inspecting the damage.
• Verifying policy coverage to determine payout eligibility.
• Estimating repair costs based on internal guidelines.
• Minimizing claim payouts to protect the insurance company’s bottom line.

While they may seem helpful, their loyalty lies with the insurer, often leading to lower settlements than policyholders expect.

What Is a Public Adjuster?

A public adjuster is an independent professional who works exclusively for the policyholder. They handle claims on behalf of homeowners and businesses to ensure fair compensation.

Responsibilities of a Public Adjuster

• Assessing damages thoroughly to document all losses.
• Reviewing insurance policies to maximize coverage.
• Negotiating directly with the insurer for a higher settlement.
• Handling paperwork and disputes to reduce stress for the claimant.

Because a public adjuster represents you, they work to maximize your payout rather than minimize it.

Key Differences Between the Two Adjusters

Why Hiring a Public Adjuster Matters

If you’ve suffered major property damage, relying solely on an insurance company adjuster may result in a lower claim amount. A public adjuster fights for your best interests and ensures a fair settlement.

Get Help With Your Claim

At Storm One Claims, we specialize in helping policyholders navigate complex claims. Our experienced team ensures you receive every dollar you deserve.

Final Thoughts

Understanding the difference between a public adjuster and an insurance company adjuster can impact the outcome of your claim. While an insurance company adjuster protects the insurer, a public adjuster fights for you. National Association of Public Insurance Adjusters

If you’re facing a dispute or need help maximizing your claim, contact Storm One Claims today.