Public adjusters and independent adjusters are both professionals who help people negotiate insurance claims, but they serve different purposes. An independent adjuster is typically hired by an insurance company to assess a claim and work with the insured to reach a fair settlement. Public adjusters in Florida represent the policyholder and are hired by the policyholder to get the best possible settlement from the insurance company.
As one of the preeminent public adjusters in Florida, Alpha Public Insurance Adjusters is invested in ensuring all our clients understand the difference between public adjusters and independent adjusters for commercial and residential claims. Read on to learn more!
What Is a Public Adjuster and What Is an Independent Adjuster?
A public adjuster is a licensed professional who represents policyholders in insurance claims. Public adjusters work for the policyholder, not the insurance company. They are hired by the policyholder to assess the damage, negotiate with the insurance company, and help the policyholder get the best possible settlement.
An independent adjuster is a professional who is hired by insurance companies to assess claims and work with policyholders to reach a fair settlement. Independent adjusters do not represent either the policyholder or the insurance company; they are neutral parties.
What Is the Difference Between a Public Adjuster and an Independent Adjuster?
The main difference between a public adjuster and an independent adjuster is who they represent. A public adjuster represents the policyholder, while an independent adjuster represents the insurance company.
This difference is important because it means that a public adjuster is looking out for the policyholder’s best interests, while an independent adjuster is looking out for the insurance company’s best interests.
For example, if a policyholder has a claim for $10,000 worth of damage, the insurance company may offer a settlement of $5,000. An independent adjuster would likely recommend that the policyholder accept this offer because it is in the insurance company’s best interests. Public adjusters in Florida, on the other hand, would likely negotiate with the insurance company to get a higher settlement because that is in the policyholder’s best interests.
What Are the Benefits of Hiring a Public Insurance Adjuster in Florida?
There are many benefits of hiring public insurance adjuster in Florida. Here are just a few:
- A public adjuster is a licensed professional who has experience working with insurance companies and negotiating claims. This experience can be invaluable in getting the best possible settlement for your claim.
- A public adjuster will work on your behalf to get the best possible settlement from the insurance company. This means that you can focus on other things, like repairing the damage to your home or business.
- A public adjuster will take care of all the paperwork and negotiations involved in an insurance claim. This can be a big relief for policyholders who are already dealing with the stress of property damage.
Contact an Insurance Claims Adjuster in Florida Today
If you need an insurance claims adjuster in Florida, contact Alpha Public Insurance Adjusters today. We will be happy to answer your questions and help you get the best possible settlement for your claim.