Public Adjuster vs Insurance Company Adjuster: Who Works for You?
Three kinds of adjusters can touch your claim. Only one works for you.
See the difference for yourself. This short video from the Florida Association of Public Insurance Adjusters explains what a public adjuster does during a claim and why who represents you matters.
The Three Adjusters
- Company adjuster: employed by your insurer. Paid by the insurer. Their job is to evaluate the claim on the carrier’s behalf.
- Independent adjuster: a contractor hired by the insurer. Paid by the insurer. Same alignment as the company adjuster.
- Public adjuster: hired by you, the policyholder. Licensed by the state. Works on contingency, with no upfront cost. Their job is to maximize your lawful recovery.
Why It Matters
The 60 Minutes investigation into Hurricane Ian claims documented carrier-side report alterations cutting estimates from hundreds of thousands to tens of thousands. Florida’s OPPAGA analysis found public-adjuster clients received 747% more on hurricane claims. The person writing the estimate determines the outcome.
Free claim review: call 800.511.2240.