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There
are primarily three
types of insurance
industry adjusters, who
investigate claims and
provide damage
assessments for your
property.
Staff Adjusters
Staff
adjusters work directly
for the insurance
company in order to
settle insurance claims.
Oftentimes when filing a
claim for insurance, a
staff adjuster will be
sent out by the
insurance company to
assess the damage and
estimate the cost of
recovering their loss.
Independent
Adjusters
An
Independent claims
adjuster is an
independent contractor,
not employed by the
insurance company, yet
contracts services for
scores of insurance
companies at the same
time. If the insured is
not satisfied with the
damage assessment,
completed by either the
insurance company
adjuster or independent
adjuster, they have the
right to hire a public
claims adjuster.
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Independent Adjusters
Public Adjusters
Public
adjusters work
exclusively for the
property owner and act
as advocates for the
insured when dealing
with the insurance
company. They are hired
to ensure that the
insured receives a fair
and equitable settlement
for their loss. Public
Adjusters will often
hire expert witnesses to
assist in the
negotiation of the claim
settlement.
There are different
forms of claims handled
by each adjuster. A
property and casualty
insurance adjuster will
manage claims which
entail damage to
property; a liability
claim adjuster handles
claims associated with
personal injury, and
third-person damage to
property such as in a
car accident insurance
settlement. Someone who
handles both claim types
is referred to as a
multi-line adjuster.
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Public Adjusters |