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A public adjuster is a professional claims handler who are very useful when you suffer damage of your property which you had insured as they help you get not only a compensation but the fully deserved compensation. The cause for existence of public adjusters is meant to take the load off the policyholder’s, and handle it instead by negotiating with the insurance company in behalf of the policy holder as insurance companies are not usually ready to pay your compensation. They normally do this by appraisal of the damage, making an estimate, and any other required claim documents, they will also read the insurance policy to determine the provision that the insurance company accepted to cover and thereafter negotiate the policyholder’s claims. An independent adjuster means they work on contract basis for different employers or adjuster companies. Staff adjusters will be found in insurance companies, working on a salary basis.
The work environment is therefore one way of classifying adjusters. The responsibility of an insurance company adjuster or staff adjuster is to access your claim and also save the company’s money hence even if they are concerned about your property damage, they also care about the insurance company’s money. In case you decide to hire an independent adjuster, remember that they work for different employers on contract basis hence they might be hired by your insurance company which means they will operate more like staff adjuster. Instead of learning later when the case is already lost that the adjuster was hired and hence being paid by the insurance company. It’s also possible for the public adjusters to have contracts hence you should request to know all about their contracts before you decide to hire them.
It’s possible for a public adjuster not to cover all types of claims but instead major in the ones which they are best skilled and have experience in, therefore you should ask them on the type of claims that they handle so as to know if they cover your type of claims or not. The reason for asking that question of claim coverage is because some public adjusting companies have the policyholder”s interest at heart hence they will choose to offer only those types of claims that they will be sure to win. Some of the best companies that offer public adjusting will not only have your interest in mind hence work to achieve your goal of compensation but will also approach the insurance company with courtesy and professionalism hence they can achieve the desired results without much struggling. Some types of insurance claims that the public adjusters handle include fire damage, water damage, smoke damage, and any other damage on the property.