out by the insurance company to assess the damage and
estimate the cost of recovering their loss.
Independent Adjusters
An Independent claims adjuster is an
independent contractor, not employed by the insurance
company, yet contracts services for scores of insurance
companies at the same time. If the insured is not
satisfied with the damage assessment, completed by
either the insurance company adjuster or independent
adjuster, they have the right to hire a public claims
adjuster.
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Public Adjusters
Public adjusters work exclusively for
the property owner and act as advocates for the insured
when dealing with the insurance company. They are hired
to ensure that the insured receives a fair and equitable
settlement for their loss. Public Adjusters will often
hire expert witnesses to assist in the negotiation of
the claim settlement.
There are different forms of claims handled by each
adjuster. A property and casualty insurance adjuster
will manage claims which entail damage to property; a
liability claim adjuster handles claims associated with
personal injury, and third-person damage to property
such as in a car accident insurance settlement. Someone
who handles both claim types is referred to as a
multi-line adjuster.
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