Independent Adjuster vs Public Adjuster
Sep 20, 2023 Crossroads IRA
The word adjuster appears throughout the claims process, but not all adjusters work for the same side. Knowing the difference is essential to protecting your interests.
Who They Work For
An independent adjuster is hired by the insurance company to assess your claim, often during catastrophes when carriers are overwhelmed. Despite the name, they represent the insurer's interests. A public adjuster, by contrast, is hired by you and works exclusively to maximize your recovery.
Why the Distinction Matters
- The independent adjuster's estimate is built to protect the insurer.
- The public adjuster's estimate is built to protect you.
- Only the public adjuster negotiates on your behalf.
- Having your own representation balances an uneven process.
If an independent adjuster's estimate feels low or incomplete, you have the right to your own expert. Crossroads Insurance Recovery Advocates provides an independent valuation and negotiates directly with your insurer.