A public adjuster is a person licensed by the State Insurance Department to advise and assist you in the preparation, presentation, adjustment and negotiation of your claim for damages against your insurance company. Adjusters are required to take a comprehensive state test, post bond with the state and comply with various provisions of the law before being licensed.
The main difference between a company or independent adjuster and a public adjuster is that the public adjuster works for you, the policyholder. All of the others work for the insurance company. A company adjuster will not go out of his or her way to find all of the ways your policy can benefit you. Your policy is a complex legal document, which can be interpreted in different ways. A public adjuster is trained to understand the policy and is protecting your interests, not the company’s.
We can help make sense of all of this and guide you toward a good, thorough public adjuster.
For more information, please contact us.