A public adjuster is an independent analyst who is called in to help consumers settle an insurance claim. When a policyholder submits a claim to their insurance company, the provider has an adjuster on their side and so should you. An independent insurance adjuster will assess the loss incurred by the policyholder and calculate an appropriate payout based on the incident and the resulting damage. A public adjuster often recommends a higher payout on the claim than an adjuster appointed by the insurance company.
Why is that? Because the insurance company’s adjuster has their best interests in mind and will attempt to limit their cost on your settlement. A public insurance claims adjuster works independently of your insurance company and audits your claim with the goal of securing the best possible payout based on the extent of your loss or damage.
Both types of adjusters do similar work on the same claim. However, your public adjuster may take a different approach to the auditing process, their investigation can sometimes be more thorough and in-depth than the adjuster assigned by your insurance company. The company’s adjuster may not be as invested in gathering all the facts and exploring every aspect of the incident to fully understand the bigger picture. An independent public adjuster performs this additional level of inquiry to obtain all the information and data necessary for a fair and appropriate settlement amount.
