What’s the Difference Between a Regular Adjuster and a Public Adjuster?

Most people are familiar with the term “property adjuster,” but did you know there are actually three different types of insurance adjusters? Since each of them plays a different role and has different objectives, it’s important for property owners to understand who they’re dealing with.

It may seem complicated at first, but once you’re clear on the basics, it’s actually quite simple. Here’s what you need to know.

What is a Property Adjuster?

First, it’s helpful to understand the general term “property adjuster.” A property adjuster, also known as a “claims adjuster,” is an expert who evaluates property damage and determines how much an insurance claim is worth. Any time you make an insurance claim, you can expect to deal with an adjuster before you receive a settlement.

3 Types of Property Adjusters

When it comes to property insurance claims, there are three different types of adjusters you may come into contact with. This includes company, independent, and public adjusters.

1. Company Adjusters

A company adjuster, also called a “staff adjuster” is a full-time employee who works for the insurance company. When dealing with a company adjuster, it’s important to remember that their number one priority is protecting the best interests of their employer. Although they will listen to your concerns and may lend a sympathetic ear, their primary focus is on settling your insurance claim quickly and for the lowest possible amount.

2. Independent Adjusters

Independent adjusters also represent insurance companies, but they work for independent firms that the insurance company hires. They’re often hired to help expedite the insurance claims process and make it more efficient. It’s important to note that independent adjusters are only allowed to work for insurance companies.

3. Public Adjusters

Public adjusters may either work for a public adjusting firm or as a freelancer. The major difference is that they represent policyholders and work on a contract basis.

When policy holders make a property insurance claim, a public adjuster will advocate for them. Public adjusters evaluate property damage, create accurate estimates, gather documentation, and assist with filing insurance claims. They’ll also communicate with your insurance company on your behalf and negotiate with them when they make an offer.

It’s common to hear the terms “private adjuster” and “independent adjuster” used interchangeably. This makes it even more important to confirm who you’re dealing with before you start providing information. If in doubt, don’t hesitate to ask the adjuster who they represent.

Need a Public Adjuster? Contact Us Today!

When dealing with a property insurance claim, it’s helpful to have an experienced public adjuster on your side. Our adjusters have years of experience and can help you maximize your settlement while also taking the stress out of filing your insurance claim. Give us a call today to learn more.

With offices in Tampa, Bradenton, Sarasota, Wesley Chapel, Melbourne and Orlando, we cover the entire state of Florida.  We also have offices in Lake Charles and Lafayette, Louisiana due to the devastating damages from Hurricanes Laura and Ida.  

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