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Insurance Claim Specialist
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A public adjuster is an insurance professional who works for a policy holder to help settle an insurance claim for property loss or damage. The public adjuster has no relationship with the insurance company and legally represents the policyholder. Public adjusters get paid a percentage of the final claim settlement.
Public adjusters are one of three types of adjusters that can be involved in the insurance claim process to determine the value of the loss and decide how much the insurance company will pay.
The three types of claims adjusters are:
- Company adjusters: Also known as staff adjusters, these people work directly for the insurance companies to handle claims for that company’s policyholders.
- Independent adjusters: These people also work on behalf of the insurance company but are independent contractors instead of employees.
- Public adjusters: Policyholders hire public adjusters to represent their interests during the claims process.
- Under the insurance policy, it is the responsibility of the insured to prove their damages to the insurance company, and that is what a public adjuster assists with. The Public adjuster prepares estimates, assists with preparing information for additional living expenses, tallies business losses and negotiates with the insurer on the insured's behalf.
