What is the difference between a claims adjuster and a public adjuster in terms of allegiance?

The distinction in allegiance between a claims adjuster and a public adjuster is critical to understanding their roles in the insurance claims process. A public adjuster is specifically hired by the policyholder to represent their interests during insurance claims. This means that the public adjuster advocates for the policyholder, ensuring that they receive a fair settlement based on the terms of their insurance policy.

In contrast, a claims adjuster is typically employed by the insurance company and their primary responsibility is to assess claims on behalf of the insurer. Although claims adjusters may also strive for fair outcomes, their allegiance lies with the insurance company. This fundamental difference highlights the public adjuster's role as an advocate for the policyholder, focusing on maximizing the recovery for the individual rather than the insurer. Understanding this difference can significantly impact how policyholders choose to manage their claims and may lead them to seek the assistance of a public adjuster for better representation of their interests.