When disaster strikes—whether it’s a storm, fire, or water damage—one of the first steps in getting your life back on track is filing an insurance claim. But when it comes to navigating the complex world of insurance, understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in how much you get paid. Let’s break down the key differences so you know exactly who’s on your side.
What is an Insurance Adjuster?
Simply put, an Insurance Adjuster works for the insurance carrier. Their job is to evaluate the damage to your property and determine how much the insurance carrier should pay out on your claim.
Now, before you think, “Well, that sounds fair enough”—let’s take a moment to remember who signs their paychecks. While they’re there to assess the situation, their ultimate goal is to minimize the payout, ensuring the insurance carrier saves money. It’s like letting the fox guard the henhouse.
What is a Public Adjuster?
On the flip side, a Public Adjuster works for you, the policyholder. They’re licensed professionals who evaluate your claim, just like the insurance adjuster does, but with your best interests in mind. A Public Adjuster’s job is to fight for you to get the payout you deserve by thoroughly inspecting the damage, reviewing your insurance policy, and negotiating with the insurance carrier on your behalf.
Think of them as your advocate—a Robin Hood of sorts in the often murky insurance world.
How Does This Affect You?
Having a Public Adjuster in your corner can significantly change the outcome of your claim. While the Insurance Adjuster might tell you that your damage isn’t “severe enough” or certain repairs aren’t covered, a Public Adjuster will go through your policy with a fine-tooth comb to make sure every bit of damage is accounted for. They’ll fight for a settlement that reflects all the damages you’ve suffered, not just what the insurance carrier wants to acknowledge.
When Should You Call a Public Adjuster?
If your claim has been denied, underpaid, or you feel overwhelmed dealing with the insurance carrier, calling a Public Adjuster can be a game-changer. They’ll step in to handle the heavy lifting, freeing you up to focus on getting life back to normal.
In the majority of states, Public Adjuster’s fees are dependent on the payout of the claim by the insurance company. For example, Public Adjusters may fee off a small percentage of the settlement. Alternatively, some state contracts are drafted to include provisions for hourly fees. Each contract is drafted to accommodate the fee requirements of the state in question. In either case, Public Adjusters are motivated to obtain the largest settlement payout possible on behalf of the client.
At the end of the day, filing an insurance claim can feel like navigating a maze, but you don’t have to do it alone. A Public Adjuster is on your side, fighting for the settlement you deserve, while the Insurance Carrier Adjuster is there to protect the insurance company’s bottom line.
If you’re looking to make sure your claim is handled fairly, it’s worth having an expert in your corner who isn’t tied to the insurance company. Premier Claims is your trusted Public Adjuster, dedicated to making the most of your claim and fighting for your right to a fair settlement.
Ready to get what you’re owed? Contact Premier Claims today, and we’ll work together to restore your property.