What Is A Public Insurance Adjuster?

Public adjusters are insurance adjusters who work solely for the policyholder and not the insurance carrier.

How does that differ from other adjusters?

Company or “insurance” adjusters work for the insurance company, not you.

Independent adjusters also work for the insurance companies, not you. (These adjusters are simply independent agents rather than full time employees. An independent agent is likely working for many different insurance companies simultaneously.)

But a public adjuster represents the only type of insurance adjuster who works soley for policyholders and not for the insurance companies.

Why does that matter? It means public adjusters have no conflict of interest when negotiating on your behalf with the insurance companies.

It also means that public adjusters will usually contact you after a disaster. Knowing what questions to ask is key to distinguishing between reliable and untrustworthy firms.

One good way to know if an adjuster is reliable to to ask if they are NAPIA certified.  To find out more about NAPIA certification go to www.napia.com.