If you’ve never filed an insurance claim, then you may be unfamiliar with the types of adjusters. Staff, independent, and public adjusters can all play a big role in your claim.
It’s not accurate to use the term adjuster interchangeably. Different adjusters have different roles – and different employers.
Today, we’re highlighting the different types of adjusters, including the difference between your insurance company’s adjuster (a staff adjuster), an independent adjuster, and a public adjuster.
Staff Adjusters
Staff adjusters are paid employees of your insurance company. Your insurer hires adjusters to adjust claims for policyholders like you. These employees analyze your claim, check your insurance policy, then decide on fair compensation for you and the insurer.
Of course, as paid employees of your insurance company, staff adjusters can be biased. Their goal isn’t to pay every client the maximum possible amount of compensation; instead, their goal is to pay you the least amount of compensation based on your insurance policy.
If you have a dispute with your insurance company’s adjuster, then your insurer might hire an independent adjuster.
Independent Adjusters
Independent adjusters are freelance adjusters hired by your insurance company to handle tricky claims. Theoretically, these adjusters are neutral observers. They analyze the claim, then decide on fair compensation between you and the insurance company.
In reality, independent adjusters may not be totally independent. They also might not give policyholders the outcome they want. The independent adjuster might deny your claim or reduce your payout, for example, or uphold the insurance company’s decision.
Public Adjusters
Public adjusters are the only adjusters hired by the policyholder – not the insurance company. The public adjuster represents the policyholder. Their goal is to secure higher payout for clients.
Like a staff or independent adjuster, a public adjuster will analyze the claim, check your insurance policy, and determine fair compensation. The adjuster will approach your insurer with this report, then fight for the highest possible compensation.
Consider Hiring a Public Adjuster
A good public adjuster (PA) fights for your compensation, negotiating with your insurance company to secure the highest possible payout.
Consider hiring a public adjuster to ensure you receive every penny owed to your by your insurance company.
It’s not accurate to use the term adjuster interchangeably. Different adjusters have different roles – and different employers.
Today, we’re highlighting the different types of adjusters, including the difference between your insurance company’s adjuster (a staff adjuster), an independent adjuster, and a public adjuster.
Staff Adjusters
Staff adjusters are paid employees of your insurance company. Your insurer hires adjusters to adjust claims for policyholders like you. These employees analyze your claim, check your insurance policy, then decide on fair compensation for you and the insurer.
Of course, as paid employees of your insurance company, staff adjusters can be biased. Their goal isn’t to pay every client the maximum possible amount of compensation; instead, their goal is to pay you the least amount of compensation based on your insurance policy.
If you have a dispute with your insurance company’s adjuster, then your insurer might hire an independent adjuster.
Independent Adjusters
Independent adjusters are freelance adjusters hired by your insurance company to handle tricky claims. Theoretically, these adjusters are neutral observers. They analyze the claim, then decide on fair compensation between you and the insurance company.
In reality, independent adjusters may not be totally independent. They also might not give policyholders the outcome they want. The independent adjuster might deny your claim or reduce your payout, for example, or uphold the insurance company’s decision.
Public Adjusters
Public adjusters are the only adjusters hired by the policyholder – not the insurance company. The public adjuster represents the policyholder. Their goal is to secure higher payout for clients.
Like a staff or independent adjuster, a public adjuster will analyze the claim, check your insurance policy, and determine fair compensation. The adjuster will approach your insurer with this report, then fight for the highest possible compensation.
Consider Hiring a Public Adjuster
A good public adjuster (PA) fights for your compensation, negotiating with your insurance company to secure the highest possible payout.
Consider hiring a public adjuster to ensure you receive every penny owed to your by your insurance company.