By Raymond A. Altieri, Jr, CPPA

When you experience damage to your home or business, you will likely need to file an insurance claim. Once you have filed a claim, your insurance company will send out an adjuster to assess the damage and determine how much they will cover. You may be wondering, what is the difference between an insurance adjuster and a public adjuster?

An insurance adjuster is an employee of the insurance company. Their job is to protect the interests of the insurance company.

A public adjuster is a licensed professional who works on behalf of the policyholder to help them navigate the claims process and ensure they receive a proper settlement.

Here are 5 reasons Why you should hire a Public Adjuster:

  1. They have your best interests at heart: A Public Adjuster works for you, not the insurance company. This means they will be looking out for your best claim interests. The Public Adjuster puts your claim on offense, where you tell the insurance company what they owe, instead of playing defense against what they only want to allow. 
  2. They know the ins and outs of the claims process: Public Adjusters are experts in the claims process & policy language. They know how to use the insurance policy for your benefit, a focus towards generating the most comprehensive settlement possible.  
  1. They can negotiate with the insurance company:  In an industry comparison, Public Adjusters maintain a mastery over contractors as it relates to handling property claims because contractors simply are not trained in the complex analysis of insurance policy coverage language.  Therefore, contractors are not qualified or licensed by State Insurance Departments to perform negotiations.  In fact, contractors are only allowed to discuss damage scope with an insurance company adjuster, otherwise they can risk committing a Third-Degree Felony.  When that adjuster disagrees as to process or coverage, there is no capability for the contractor to advance the claim.  Further, Professional Public Adjusters possess more claims experience than many insurance company claims personnel.  How else can you explain their repetitive rates of success achieved for policyholders with such consistent frequency?
  1. They will save you time: Filing an insurance claim is a time-consuming, complex process. A public adjuster will handle all the paperwork, takes the proper amount of time to perform complete damage evaluations, manages inspections, carrier communications and correspondence,  quotes/invoices, lost income projections (if applicable), and conducts claim negotiations so you can focus on the developing settlement offers and getting your life back. 
  1. Public Adjusters get you more money: Studies have shown that people who hire a public adjuster receive higher settlements than those who do not.  This is obviously due to their experience in handling claims every day. This premise makes sense because when you start a journey, you have to know where you are going before you can get there. Florida’s Office of Program Policy Analysis and Governmental Accountability (OPPAGA) reports that on average policyholders who utilized a public adjuster recovered 747% more than people who did not!