When a policy holder experiences property damage which they has insured, it might be a struggle to get compensated fully by the insurance company and therefore a public adjuster has the role of representing such a policyholder get the compensation they deserve. It’s often possible for policy holders to have a hard time convincing the insurance companies to compensate then for a damaged property which they had insured hence the public adjuster comes in to help negotiate for the policyholder. They normally do this by appraisal of the damage, making an estimate, and any other required claim documents, they will also read the insurance policy to determine the provision that the insurance company accepted to cover and thereafter negotiate the policyholder’s claims. An independent adjuster means they work on contract basis for different employers or adjuster companies. The type of adjusters who are employed by insurance companies hence work on a salary basis is referred to as staff adjuster.
The classification of adjusters is therefore mainly on where they work or their work conditions. Apart from being concerned about you, an insurance company adjuster is also concerned about the insurance company they work for, hence they might not be able to serve you to their level best. In case you decide to hire an independent adjuster, remember that they work for different employers on contract basis hence they might be hired by your insurance company which means they will operate more like staff adjuster. Instead of learning later when the case is already lost that the adjuster was hired and hence being paid by the insurance company. For the public adjusters they could also have contracts which you should be aware of before you decide to hire them for your claims.
It’s possible for a public adjuster not to cover all types of claims but instead major in the ones which they are best skilled and have experience in, therefore you should ask them on the type of claims that they handle so as to know if they cover your type of claims or not. This is because for most public adjusters companies, they acknowledge their professional expectations and also uphold their job ethics hence instead of being greedy and offering low quality services to numerous claim types, they instead choose to focus on a few claim types that they can deliver the best. Some of the best companies that offer public adjusting will not only have your interest in mind hence work to achieve your goal of compensation but will also approach the insurance company with courtesy and professionalism hence they can achieve the desired results without much struggling. There are various types of insurance claims that the public adjusters handle involving property damage such as fire damage, water damage, and smoke damage.