Public Claims Adjuster vs. Insurance Company Adjuster: Who’s Really on Your Side?
When disaster strikes, filing an insurance claim can feel overwhelming. Policyholders often assume their insurance company adjuster is there to ensure they receive a fair payout. However, that’s not always the case. A public claims adjuster, also known as a public insurance adjuster, works exclusively for you—the policyholder—to maximize your claim settlement. In this article, we’ll explore the key differences between a public adjuster and an insurance company adjuster, helping you make informed decisions when filing a claim.
What is a Public Claims Adjuster?
A public claims adjuster is a licensed professional who represents policyholders during the insurance claims process. Their primary goal is to ensure you receive the maximum payout for your covered losses. Unlike an insurance company adjuster, who works for the insurer, a public adjuster works exclusively for you.
Key Responsibilities of a Public Insurance Adjuster
Policy Review: Analyzes your insurance policy to determine coverage.
Damage Assessment: Conducts a thorough inspection of property damage.
Claim Preparation: Documents losses and compiles evidence to support the claim.
Negotiation with the Insurance Company: Advocates for the highest possible settlement.
Settlement Assistance: Ensures you receive fair compensation for repairs and restoration.
How Does an Insurance Company Adjuster Work?
An insurance company adjuster is employed by your insurer to evaluate claims and determine payouts. While they may appear helpful, their primary responsibility is to minimize the company's financial liability.
Key Responsibilities of an Insurance Adjuster
Damage Evaluation: Inspects the extent of the loss and estimates repair costs.
Policy Interpretation: Determines what is covered under your policy.
Settlement Offer: Provides a claim payout based on the company’s assessment.
Cost Control: Works to protect the insurance company’s bottom line.
Public Adjuster vs. Insurance Adjuster: Key Differences
FeaturePublic Claims AdjusterInsurance Company AdjusterWorks ForPolicyholderInsurance CompanyGoalMaximize your claim payoutMinimize claim costs for insurerFeesPercentage of the settlementPaid by insurance companyAdvocacyRepresents your best interestsRepresents insurer’s financial interests
Why You Should Consider Hiring a Public Insurance Adjuster
Many policyholders assume their insurer will offer a fair settlement, but this is not always the case. Here’s why hiring a public claims adjuster can be a game-changer:
Higher Settlements: Studies show public adjusters help policyholders receive significantly higher payouts.
Expert Knowledge: They understand complex policy language and coverage loopholes.
Time-Saving: They handle all negotiations, paperwork, and claim disputes.
No Upfront Costs: Most work on a contingency basis, meaning they get paid only if you do.
Common Misconceptions About Public Adjusters
“Public adjusters are expensive.” – They typically charge a percentage of your final settlement, and the higher payout often offsets this cost.
“I can negotiate with the insurance company myself.” – Without industry expertise, you may leave money on the table.
“The insurance company’s offer is final.” – You have the right to dispute and negotiate your claim amount.
Final Thoughts
Choose the Right Advocate for Your Claim When facing property damage, hiring a public insurance adjuster ensures you have a professional fighting for your best interests. Unlike an insurance company adjuster, who prioritizes minimizing claim payouts, a public claims adjuster works to maximize your financial recovery.
At Shoreline Public Adjusters, we help homeowners and business owners in Florida, Minnesota, and Wisconsin navigate complex claims. Contact us today for a free consultation and let us fight for the settlement you deserve!
Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889
