What distinction is made between 'public' and 'private' adjusters?

The distinction between public and private adjusters is critical in the insurance claims process, particularly regarding whom they represent. Public adjusters are professionals who are hired by the insured, meaning they work directly for the policyholder to help navigate and manage claims made against insurance policies. Their role is to advocate for the interests of the insured, ensuring they receive fair compensation based on the policy terms and the losses incurred.

On the other hand, private adjusters, often referred to as company adjusters or staff adjusters, are employed by insurance companies. Their primary responsibility is to investigate claims filed by policyholders and represent the interests of the insurer. They assess damages, verify claim details, and ultimately make recommendations on the settlement of claims based on the insurance policy's coverage and company policies.

This clear distinction in representation—public adjusters serving the insured and private adjusters serving the insurance company—highlights the importance of understanding these roles in the claims process. It is crucial for policyholders to recognize who is advocating for their interests when dealing with insurance claims.