When you file an insurance claim, one of the first steps is an assessment of the damage by an adjuster. However, not all adjusters are created equal. Understanding the difference between a public adjuster and an insurance company adjuster is key to ensuring your claim is handled fairly and that you receive the settlement you deserve. This blog breaks down the roles, responsibilities, and differences between these two types of adjusters.
What is an Insurance Company Adjuster?
An insurance company adjuster works directly for the insurance company. Their primary responsibility is to evaluate claims and minimize the insurer’s financial liability. While they may appear cooperative, their role is to act in the best interest of the company they represent.
Key Responsibilities of an Insurance Company Adjuster:
Assessing the damage to your property.
Reviewing your policy to determine coverage.
Preparing a settlement offer based on their evaluation.
Limitations of Insurance Company Adjusters:
They prioritize the insurance company’s bottom line, which may result in lower settlement offers.
They may overlook or undervalue certain damages that are covered by your policy.
What is a Public Adjuster?
A public adjuster, like those at Advocate Claims Services, works exclusively for you, the policyholder. Their role is to ensure your claim is maximized and your interests are fully represented throughout the claims process. Public adjusters are licensed professionals with expertise in policy interpretation, damage assessment, and negotiation.
Key Responsibilities of a Public Adjuster:
Conducting a detailed inspection of your property and documenting all damages.
Reviewing your insurance policy to uncover all coverages and entitlements.
Preparing and submitting a comprehensive claim on your behalf.
Negotiating directly with the insurance company to secure a fair settlement.
Advantages of Hiring a Public Adjuster:
They work for you, not the insurance company, ensuring your best interests are the priority.
They have specialized knowledge of Michigan’s insurance laws and policies.
They often secure significantly higher settlements than policyholders would achieve on their own.
Key Differences Between Public Adjusters and Insurance Company Adjusters
Feature | Insurance Company Adjuster | Public Adjuster |
Who They Represent | Insurance Company | Policyholder |
Primary Goal | Minimize payout | Maximize payout |
Payment | Salary from insurer | Fee based on claim settlement |
Scope of Work | Evaluate claims for insurer | Advocate for policyholder |
Policy Expertise | Limited to insurer’s interpretation | Detailed policy analysis |
Why Choose Advocate Claims Services?
Advocate Claims Services public adjusters are dedicated to leveling the playing field. They bring years of experience, detailed knowledge of Michigan insurance laws, and a client-focused approach to every claim. Whether you’re dealing with fire, storm, water, or business interruption losses, ACS ensures you receive the settlement you deserve while minimizing stress.
When it comes to insurance claims, having the right representation can make all the difference. While insurance company adjusters focus on protecting the insurer, public adjusters like those at Advocate Claims Services are committed to protecting you. If you want a fair and accurate settlement, partnering with an ACS public adjuster is the best choice. Contact ACS today to see how they can help you navigate your claim with confidence and expertise. 855-ACS-2-WIN
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