Property insurance is a big deal, and that’s why there are so many different types of adjusters who specialize in damage claims in Florida. While they all reside in the insurance industry, you could be seeing a difference in settlement amounts by hiring the right (or wrong) type of expert. This guide compares the various types of adjusters who could be working on your damage claim to help you hire the right person for the job.

When you need public adjusters you can trust to get the correct amount for your claim, call Altieri Insurance Consultants Miramar Beach!

Inside Adjusters – The One Behind the Cubicle

Handling an insurance claim completely over the phone? You’ll likely be dealing with an inside adjuster also known as a desk adjuster. Inside adjusters are named as such because they take care of all insurance claim matters at a desk. Because inside adjusters often work remotely, you can’t expect them to be at the scene of the damage. This puts a great limitation on how they’re able to help you, and thus, it’s not the best choice if you’re looking to be thorough when getting the best settlement offer in Miramar Beach. Opting for an expert, like a public adjuster, with a wider scope of service can result in a greater settlement.

Field Adjusters – Always at the Scene

The limitations of an inside adjuster are practically non-existent with field adjusters. Field adjusters (as their name suggests) aren’t shy to arrive at the scene if it means gathering more information for your insurance claim. That might sound ideal, except there’s just one caveat. Field adjusters are hired by your insurance company in Miramar Beach, and that could be to your disadvantage. Field adjusters may overlook some hidden damages, resulting in underpayment. Additionally, these adjusters may not have decision making authority and are strictly there to document and create an estimate which is then evaluated by the desk adjuster.

Staff Adjusters – Insurance Company Employees

All adjusters who work as official employees for an insurance company full-time are often known as staff adjusters. They clock into their 9-5 every weekday to handle claims under that one and only company. As you might expect, a staff adjuster is likely to operate under the interests of the insurance company that they work for. This may instill some bias and a need for you to hire your own adjuster in Miramar Beach. While hiring your own adjuster will be a small investment, a higher settlement often makes it worth the cost.

Independent Adjusters – On-Call Agents For Insurance Companies

Third-party independent adjusters are considered “independent” because they operate as their own business and work on their own terms. Rather than having obligations to show up at the corporation’s office every day on the dot, they’re hired on by insurance companies on a per-case basis. Many would refer to this as “freelancing”.

Your insurance company pays for these independent adjusters, so you don’t have to. But saving on the cost of an adjuster in Miramar Beach could be costly to you in other ways, like severe underpayment. Similar to field adjusters, they go out to evaluate damage and create an estimate but have no decision-making power when it comes to writing checks or making a coverage determination on whether your claim is covered.

Public Adjusters – Insurance Consultants Who Work For You

It’s about time you had a team of adjusters on call to represent you during an insurance claim. That’s precisely what public adjusters are, licensed professionals advocating for you. When you hire a public adjuster for your property damage claim in Miramar Beach, you’re placing your trust in an expert who covers every aspect of claims adjusting. Showing up on site to gather evidence, analyzing the policy, negotiating settlement amounts, handling all of the paperwork on your behalf, and everything else the job calls for.

First time considering a public adjuster? Read these success stories from Altieri Insurance Consultants so you can feel good about placing your faith in us.

The Partner Property Owners Rely On. Call Altieri Insurance Consultants Miramar Beach Today!

You need to get your life back, and the best way to do that is by hiring a public adjuster for your property damage claims. Call Altieri Insurance Consultants Miramar Beach today at (813) 247-4757 to schedule a consultation appointment and meet the team that’ll help you get a fair settlement!