Who’s Who in Your Insurance Claim?

Navigating an insurance claim after property damage can feel overwhelming, especially when you’re unsure who’s actually working in your best interest. Throughout the property claims process, policyholders may encounter three types of adjusters: insurance adjusters, independent adjusters, and public adjusters.

Independent Adjuster 

Independent adjusters are professionals hired on a case-by-case basis by insurance carriers to assess and manage claims. Their primary objective is to provide an unbiased evaluation of damages and determine what they consider to be a fair settlement. Notably, independent adjusters are not employees of the insurance carrier, aiming to maintain neutrality in their assessments through impartial inspections. Since independent adjusters are engaged by insurance carriers, there exists a potential for financial allegiance, as their compensation is directly linked to these carriers.

Insurance Adjuster

Insurance adjusters, also known as private adjusters, are employed directly by insurance carriers. Their responsibilities include investigating claims, evaluating damages, and negotiating settlements on behalf of the insurance carrier. Understanding their role is crucial for policyholders seeking transparency in the claims process. Insurance adjusters bring in-house expertise, possessing in-depth knowledge of their company’s policies. Insurance adjusters serve the best interest of the carrier, not the policyholder. That’s why getting outside insight isn’t just smart, it’s strategic. 

Public Adjuster

Public Adjusters, like those at Premier Claims, work exclusively for the policyholder. Their primary role is to fight for policyholders to receive a fair and just settlement from the insurance carrier. Public adjusters act as advocates, guiding policyholders through the complexities of the claims process. 

Can Different Adjusters Work Together?

Absolutely! In certain claim scenarios, having your public adjuster collaborate with the insurance adjuster can help move things along, without compromising the outcome of your claim. The insurance adjuster, employed by the carrier, brings expertise in policy details and internal processes. The public adjuster, who actively serves as your dedicated advocate, ensures they fully represent your interests. This cooperative approach aims to streamline the claims process, leveraging the strengths of both adjusters to navigate complexities and utilizing all the resources available to you. Hopefully, bringing you peace of mind during your claims journey. At Premier Claims, we aim to seamlessly orchestrate this collaboration to provide you with a well-rounded claims management experience.

Whether it’s an independent adjuster providing unbiased assessments, an insurance adjuster representing the carrier’s interests, or a public adjuster advocating for the policyholder, understanding these roles is key to achieving a fair and satisfactory resolution.

At Premier Claims, our mission goes beyond claims management; it’s about empowering you with knowledge.

For more insights and assistance tailored to your needs, connect with our team today!