What Does a Public Adjuster Do?
Article by Neal McLoughlin
Well before I answer that question, it is first necessary to explain all the participants and represented parties connected with an Insurance Claim. You have the insured who purchased the insurance policy to safe guard their property and contents from any damage that might occur. You have the producer or agent that sold the insured the policy. The agent can be either captive or independent. You have the In- House claims adjuster not required to be licensed or certified or bonded or insured. You have an independent adjuster who is called independent because they can work for a variety of insurance carriers but never for the benefit of the insured homeowner or property owner. And finally, you have the Public Adjuster who is required to show a level of competency by sitting for and passing a state licensure, keeping updated by attending mandator trainings and demonstrating the continuing ducatoon that they have attained every 2 years and finally being required to have ethics training, something that the staff adjuster and most independent adjusters are not required to do. As well as being Bonded.