What is the key difference between a public adjuster and a staff adjuster?

The key difference lies in the representation and allegiance of each type of adjuster. A public adjuster serves the policyholder, advocating on their behalf to ensure that claims are filed fairly and that the policyholder receives the maximum compensation for their losses. This role is crucial, especially in complex situations where the policyholder may need an expert to navigate the claims process effectively. Public adjusters typically charge a fee based on a percentage of the claim settlement.

In contrast, a staff adjuster is employed directly by the insurance company. Their primary responsibility is to represent the interests of the insurer rather than the policyholder. They investigate claims, determine the extent of damage or loss, and assess how much the insurance company should pay. This internal perspective means staff adjusters work to protect the company's financial interests while adhering to the policies and procedures of the company.

While both types of adjusters handle claims and may perform similar tasks such as assessing damages and gathering information, the fundamental distinction is their client base and whom they serve. This understanding helps clarify the roles adjusters play within the insurance landscape.