Public Adjuster vs. Insurance Adjuster

It is standard practice for an insurance company to send an adjuster to examine a claim before the claim is processed. The adjuster will review your insurance policy and the level of damage you suffer to make an appropriate recommendation for the amount you are entitled to. Even though it appears they are doing precisely what you want, insurance adjusters are not representing your best interest; why? This is because the insurance company hires them, so you need to hire your own adjuster. But if all you want is for the insurance company to pay for the loss you suffered, and that is what the insurance adjuster is facilitating, then why do you still need a public adjuster?

Why do I need a Public Adjuster?

The first thing you should understand is that insurance adjusters are not neutral as they typically claim. They are hired by the insurance company and paid by the insurance company. Therefore, they have the interest of the insurance company to protect. A public adjuster, on the other hand, works for the claimant. You hire a public adjuster. Hence you can rest assured that he will work to get the best for you

What Are the Differences in the Service of Public Adjusters and Insurance Adjusters?

Both public adjuster and insurance adjuster will examine your insurance policy and the loss you suffer. However, they will differ in their opinion on what you are entitled to. While the insurance adjuster will try to make the loss look as minimal as possible so that the insurance company he is working for can be safe, the public adjuster will look for all ways to earn you the maximum payout possible. This is like asking for the difference between the opinions of the layer of a prosecutor and that of the defendant in a legal case. Each one will see the same matter from the angle that pays his client the most.

Let’s explain this with a practical example.

Assuming your home is damaged by a water, fire, etc. that is covered by your insurance. The insurance adjuster will confirm that your insurance actually covered the damage and recommends that you be paid the cost of rebuilding your home. However, your public adjuster will not only demand the cost of rebuilding your home but will also include all other expenses you incur due to the damage. Before the house is rebuilt, you need to provide temporary accommodation for yourself and your family. You probably spent money to move your belongings out of the damaged home. You may suffer a physical or emotional loss due to the damage and require hospitalization. All these will be included in your public adjuster’s claim.

So, Do You Need a Public Adjuster?

If you need to make an insurance claim, you surely need a public adjuster. However, you must get the service of an experienced and reliable public adjuster. 1800Adjusters™ is your trusted public adjuster. We stand by your side throughout the entire process. Contact us today and let us help you battle against the insurance company. For a FREE Consultation on any property damage, give us a call at 1-800-Adjusters, (1-800-235-8783).