When you file an insurance claim, the insurance company will likely send out an insurance adjuster to investigate the damage and the claim. When filing an insurance claim, you will also want to hire the help of a public insurance adjuster like us at Santex Public Adjusters. Although the two titles sound similar, there are a few key differences, which can have a big impact on your case.
Here are the main differences between the two.
- Working for the insurer vs. working for the insured: An insurance adjuster works for the insurance company to investigate the insurance claim from the insured and determine whether the insurance company needs to pay to cover any damage or the amount that should be covered. A public insurance adjuster works for the insured, meaning for you, to help you get the results you deserve from an insurance claim.
- Calculating settlements vs. ensuring fair settlements: An insurance adjuster will investigate any property damage, assess your claim, and evaluate your policy to calculate the settlement or coverage the insurance company will be liable for. A public insurance adjuster, on the other hand, will help you obtain the necessary documentation and evidence to prove the validity of your claim and advocate for a fair settlement for your claim.
- Negotiate on the insurer’s behalf vs. the insured’s behalf: The last way that an insurance adjuster will prove different from a public insurance adjuster is in claim negotiations. An insurance adjuster will negotiate on the insurance company’s behalf and try to settle on a fair amount that will be best for both you and the insurer, while a public adjuster will negotiate on your behalf to get the best possible coverage for the damage.
Our team is ready to provide the support you need to get the coverage you deserve. Reach out today to learn more or to get started with our skilled team!