What is a Public Adjuster and What Do They Do?

In California, there are three types of licensed Insurance Adjusters

According to CAPIA, the California Association of Professional Insurance Adjusters a Company Adjuster is employed by the Insurance Company to represent the company in dealing with your loss and damages. The Company Adjuster’s main responsibility is to protect the interests of the Insurance Company.

An Independent Adjuster is hired by the Insurance Company to represent the company in dealing with your loss and damages. The Independent Adjuster’s main responsibility is also to protect the interests of the Insurance Company.

A Public Adjuster is the only Adjuster specifically licensed by the State of California to represent you, the Insured. The Public Adjuster’s main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.

In addition to California, currently more than 43 other states and the District of Columbia require an adjuster to hold this licensure in order to represent the insured.

According to NAPIA, the National Association of Public Insurance Adjusters, “Public Adjusters are professionals who are employed exclusively by a policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company.” hire a dallas public adjuster

What does that mean?

If you are overwhelmed by a process of determining what coverages you have and then calculating the amount of your loss, you may consider speaking with a Public Insurance Adjuster. Insurance policies can be very complex and difficult to understand. Often coverage is excluded in one section of the policy and then granted back to you in another section. It is also very important for the insured to meet all of the policy conditions in order to be paid on their claim. If you have ever had the unfortunate experience of suffering a loss and going through the claim process, you will understand what a daunting ordeal it can become.

However, after a disaster, insurance companies often discourage claimants from hiring a Public Adjuster.

According to United Policy Holders, a non-profit, tax-exempt organization dedicated to educating the public on insurance issues and consumer rights, “This happens all the time. Insurance companies don’t want the insured to be on an even playing field. They want to control the situation and not deal with someone as or more knowledgeable than they are. Insurers are predisposed to minimize claim payments. Public Adjusters are predisposed to maximize claim payments.”

Public Adjusters help you get your life back. Instead of using up all your waking hours battling with the insurance company, your Public Adjuster does that for you. A good Public Adjuster works with you to maximize your time so that you can get your daily life, your family life, and your work life back in order while the Public Adjuster and the Insurance Company negotiate to get your home and possessions as close as possible to the state they were in before the disaster.

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