What is an independent adjuster?

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What is an independent adjuster?

• Did you know there are three types of adjusters?
• Company Adjuster
• Independent Adjuster
• Public Adjuster

A company adjuster works directly for the
insurance company, is paid by the insurance
company, and represents their interest. An
independent adjuster is hired by the insurance
company, is paid by them, and represents their
interest. A public adjuster is hired by the
homeowner, represents homeowners interest, and
is paid by the homeowner. Independent adjusters
do not work for anyone insurance company,
instead, they are contracted by an insurance
carrier to handle claims
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for a speci?c time period or loss. The
independent adjuster is essentially the middleman
that does the inspections and writes the reports
for the insurance company to review and base
payment on. They are hired and paid by the
insurance company but are not employed by them
on a permanent basis. This adjuster can also be
referred to as the ?eld adjuster. They update the
insurance company or desk adjuster on the
details of the claim. The desk adjuster is
ultimately the one who makes decisions on the
claim and gives the ?nal approval. If you have
ever had a claim and received an update from the
adjuster you met with letting you know the
carrier is reviewing the claim, this means the
company desk adjuster. It is common for this
adjuster to never step foot on your property.
You may also have little to no contact with this
person and only interact with the independent
adjuster. At any point during your claim, you
can h ire a public adjuster to represent you.
Your adjuster will be at every inspection, follow
up with both the independent and company
adjusters, review and gather necessary
documents/information needed to resolve and
settle your claim. Give Brown OHaver a call to
review your claim for free.