What is the Difference Between an Insurance Adjuster and a Public Adjuster?

When disaster strikes, you'll find yourself thanking your lucky stars for your insurance policy. However, many homeowners and vehicle owners end up getting an insurance experience they don't expect. After the hassle of dealing with your insurer to file and process your claim, it's a defeating feeling when they low-ball you with 25% of the claim amount.

This scenario is more common than your think. Insurance companies are like any other business; they are in it to make money. They collect premiums and then do the best they can to avoid paying out or short-change policyholders on their claim.

To get an accurate assessment of your property damage, the insurer will send an in-house or independently contracted insurance adjuster to your property to assess the damage. The issue with this situation is that the adjuster might not total the claim as you expect, resulting in a lower payment to you from your insurer.

The adjuster has no legal obligation to you; they work in the best interests of the insurer, not you.

The Priorities of Public Adjusters and Insurance Adjuster

After reading that introduction, you probably think that insurance is a rigged game. The reality is that you are not far off with your assumption. So, how can you get a fair deal from your insurer when filing your claim? The answer is to hire a public adjuster.

What is a public adjuster, and how do they differ from a company or independent adjusters?

As mentioned, the insurance adjuster works for the insurer. A public adjuster works for you; they have your interests in mind when filing and processing your claim. As a result, you get a much more favorable assessment than you do with a company adjuster.

The public adjuster does everything an in-house or independent adjuster does at your property. The public adjuster has a license to operate in the state, and they typically have relationships with the claims departments of all top insurance companies.

As a result, they know the procedures and people to deal with when handling your claim. This kind of inside information is vital in the speed and efficacy of your claim. The public adjuster's goal is to land you the best payout from the insurer possible while making the process as stress-free as possible for you.

The public adjuster is an insurance expert, and they review your policy to see if you have a claim. After reviewing your policy, the public adjuster will start assessing the damage. Typically, they will do a better job of the assessment, counting in property damage that in-house assessors might overlook.


Why Do I Get Different Settlement Amounts with an Insurance Adjuster and Public Adjuster?

Suppose you decide to use Florida Public Adjusters to file and process your insurance claim. In that case, you'll find the difference in the claim amounts between our service and the insurance adjuster to be wildly different. Dealing with an insurance claim is a frustration you don't need in your life.

The stress of the process can leave you feeling spent, even if the insurer pays out the full amount. If you don't receive what you're expecting, it can leave you feeling distraught, knowing that you'll have to contribute the rest of the financial obligation to fix your property.

An in-house insurance adjuster may overlook damage to your property during their assessment. They may do this unintentionally because they don't have the right training, or they may do it intentionally to low-ball your claim amount and get the insurer to reject it.

With a public adjuster on your side, you get the payment you deserve. The public adjuster won't overlook any damage, and they'll give you an accurate assessment. Insurers are also more likely to process your claim amount in full if they see you have a public adjuster working for you.

Work with Florida Public Adjusters for Fast Processing of Your Claim

With Florida Public Adjusters working on your claim, you have the best chance of receiving the optimal payout from your insurer. The public adjuster won't charge you any upfront costs. They wait until you receive your settlement to charge you for their services.

In most cases, the public adjuster will charge you between 10% to 20% of the claim, depending on its value. With Florida Public Adjusters, you get an experienced team that knows how to work with insurers.

We have decades of experience in insurance adjustment, and we have established relationships with many of the claims departments at leading insurance firms.

You can rely on us to get you the payout you deserve from your insurer.

United Claim Clinic Mission Statement

At United Claim Clinic our number one mission is to educate consumers about the insurance claim process. Sometimes we can equip people with the knowledge to navigate a claim by themselves. For more complicated claims, we are here to be an advocate for the insured to see that the carrier fulfills their obligation to get your property and life back to normal.