What is the difference between an independent adjuster and a public adjuster?

The distinction between an independent adjuster and a public adjuster centers on whom they represent in the claims process. An independent adjuster typically works on behalf of insurance companies to assess claims, investigate losses, and evaluate the validity of claims submitted by policyholders. This role involves determining the scope of the insurer’s liability and ensuring that claims are handled in alignment with the insurer’s policies and practices.

In contrast, a public adjuster is specifically hired by policyholders to advocate for their interests during the claims process. Public adjusters help policyholders understand their coverage, prepare and submit claims, and negotiate settlement amounts. Their primary goal is to ensure that the policyholder receives a fair settlement that accurately reflects the damages and losses incurred.

This fundamental difference in representation is crucial for consumers navigating insurance claims, as it highlights the importance of having an advocate working directly for their interests, rather than for the insurance company.