When filing an insurance claim, many policyholders assume that an insurance company adjuster is there to help them. However, it's important to understand the key differences between a public adjuster and an insurance company adjuster. An insurance company adjuster is employed by the insurer and aims to protect the company’s financial interests. They may downplay damages or offer lower payouts to save the insurer money. In contrast, a public adjuster is hired by the policyholder to represent their best interests and maximize their claim.

A public claims adjuster thoroughly assesses the damage, prepares detailed reports, and negotiates with the insurance company to secure a higher payout. Since they work independently of the insurer, their only goal is to ensure the policyholder receives fair compensation. If you suspect your claim has been undervalued or unfairly denied, hiring a public adjuster can make a significant difference. Their expertise in policy interpretation and negotiation can lead to a more favorable settlement, helping property owners recover their losses effectively.