The Difference Between Insurance Adjusters, Independent Insurance Adjusters and Public Insurance Adjusters
An insurance adjuster is somebody who is tasked with investigating insurance claims. The ones who work for insurance companies can be desk adjusters (also called claims examiners) and field adjusters. It is the field adjuster's responsibility to visit your property and inspect the damages. They will gather information about your claim, take pictures of the loss and prepare an estimate of how much the damage is worth. Once that is completed, they will submit their report to the desk adjuster for review.
The desk adjuster will review all the documentation submitted by the field adjuster in order to determine if the claim is covered. They may ask you for additional information about your claim or ask you to provide a recorded statement to provide facts about the claim. Once their investigation is complete, they will create a report with a recommendation on how much the insurance company should pay.
Independent Insurance Adjusters
Independent insurance adjusters perform the same function as a field adjuster but are not employees of the insurance company. They work for themselves or an adjusting company contracted by the insurance company. Although independent adjusters are not permanent employees of an insurance company, they still work for insurers rather than policyholders and represent the interests of the insurance company.
Public Insurance Adjusters
Public insurance adjusters are also known, confusingly, as private insurance adjusters. We do the same job as a field adjuster and a desk adjuster combined. We work solely for you, the policyholder, not the insurance company. Our job is to protect your interests and make sure that the insurance company pays the proper amount for your insurance claim.
We review your insurance policy and inspect the damages to make sure you have a covered loss. We take copious notes and photographs and prepare an itemized damage estimate to properly document the amount you are entitled to under your insurance policy and that all coverages are accounted for.
Getting expert help from a public insurance adjuster will not only save you from dealing with the insurance company on your own, but will result in the best possible outcome for you claim no matter the size and type of damage to your property.