Insurance Claims Adjusters vs. Public Adjusters

When it comes to navigating the complex world of insurance claims, you may find yourself in need of professional assistance. But with so many options available, how do you know which type of claims adjuster is best for your needs? The two main types of adjusters are insurance company adjusters and public adjusters. While both serve important roles, there are some key differences between the two. In this blog post, we’ll explore these differences so you can make an informed decision about who to hire.

Insurance Claims Adjusters

Insurance company adjusters are employed by insurance companies to assess damages, determine the value of a claim, and negotiate settlements on behalf of the insurer. They are responsible for protecting the financial interests of the insurance company, which means they may not always have your best interests at heart. Insurance claims adjusters typically work quickly to settle claims, often before all damages are fully assessed. This can result in a lower settlement than what you may be entitled to.

Public Adjusters

Public adjusters, on the other hand, work on behalf of policyholders. They are licensed professionals who specialize in assessing damages, negotiating with insurance companies, and helping policyholders get a fair settlement for their claim. By hiring a public adjuster, you have an ally who is on your side and can help you navigate the complex world of insurance claims. Public adjusters typically charge a percentage of the settlement amount, but their expertise can often result in a higher settlement than what you could negotiate on your own.

Benefits of Hiring a Public Adjuster

Hiring a public adjuster has several benefits. First and foremost, they work exclusively for you, not the insurance company. This means they are able to give you unbiased advice and advocate for your best interests. Public adjusters have expertise in the claims process and can negotiate with insurance companies on your behalf to ensure that you receive a fair settlement. They also have experience assessing damages and can accurately calculate the total cost of repairs or replacements, which can often result in a higher settlement.

How to Hire a Public Adjuster

If you’re considering hiring a public adjuster, it’s important to do your research and choose a reputable firm. Look for a firm that is licensed and has a strong reputation in your community. You may also want to ask for references or reviews from previous clients. Once you’ve chosen a firm, they will typically schedule a free inspection to assess the damages and determine the best course of action for your claim.

Conclusion

Navigating the world of insurance claims can be confusing and overwhelming. Hiring a public adjuster can help ease the burden and ensure that you receive a fair settlement. By understanding the differences between insurance company adjusters and public adjusters, you can make an informed decision about who to hire. If you’re in need of a public adjuster in Polk County, look no further than Five Star Claims Adjusting. Contact us today to schedule a free inspection and get started on the path towards a fair settlement.