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The Difference Between Public Adjusters and Independent Adjusters

When dealing with insurance claims, there is a good chance that you’re going to come in contact with an adjuster. Understanding what these professionals do is essential to comprehending the entire claims process as a whole. However, it can be tricky to learn their job descriptions because there isn’t just one type of insurance claims adjuster, there are public and independent adjusters.

You may find yourself questioning what does a public adjuster do? And what is an independent adjuster’s job? If you find yourself in a situation where you need to utilize either one of these professionals, it is crucial that you know the difference. Talking with a professional who can help explain this to you is a great place to start. In the Miami area, Your Insurance Attorney is a group that can sit with you and help you go through all the information you’ll need throughout the claims process.

What Does A Public Adjuster Do?

Working with an insurance claims adjuster isn’t always an easy process. Especially when you aren’t sure what exactly they do. One of the hardest things for people to understand is that there are two different types of adjusters, a public and independent adjuster. Analyzing the difference between the two adjusters can give you the background knowledge you’ll need when you have to work with either one.

An independent adjuster works for an insurance company. This tends to be a little confusing for people since the word “independent” is in their job title. These adjusters are contractors that are hired by your insurance provider to represent their rights and goals when dealing with an insurance claim. One important thing to remember when dealing with an independent adjuster is they have no obligation to represent you or your interests during the insurance claims process.

Although their job description says they are there to represent both the provider and policyholder, it comes down to who is paying their paycheck, which is your insurance company, so if there is a difference of opinion, the adjuster will side with the insurance company. The minute you file a claim with your provider, they’ll hire an independent adjuster to manage and investigate the claim. It will be their job to analyze the facts and your policy to determine the appropriate compensation. It is their goal to award you the lowest amount of money that the insurance company is legally obligated to pay.

On the other hand, a public adjuster works for you, the policyholder. It is their goal to help you navigate the claims process successfully. Most of the time many policyholders are dealing with their first significant claim when working with a public adjuster, which means there is a lot of money involved.

It is the adjuster’s job to make sure you are getting the amount of money you deserve based on the terms of your policy. Many people end up hiring a public adjuster after they receive an initial offer from their insurance company that they believe is too low. When an adjuster comes into the picture, they will start negotiations with your provider directly or with the independent adjuster they’ve hired. Public adjusters usually don’t require an upfront fee or an hourly rate to begin working for you. Most of them will usually charge a flat fee, which is typically ten percent of the final settlement you get from your insurance provider.

Your Insurance Attorney

Your Insurance Attorney is located in Miami and can help you understand the best way to work with an insurance claim adjuster. If you have found yourself questioning what does a public adjuster, do call or visit us today to find out how we can help you!

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