Types of Insurance Adjusters

There are 3 different types of insurance adjusters.  Do you know which one is working for you?

 

Type 1 – Public Adjusters 

We are insurance adjusters who do not work for the insurance company. We work for you, the insured, to assist in the preparation, presentation and settlement of your claim. You hire us and we are compensated based on a percentage of the settlement we assist in securing for you. The State of California Department of Insurance requires us to be licensed, bonded and tested in order to represent you and protect your interests.

Type 2 – Company Adjusters

Company Adjusters are insurance adjusters who are employed by and are employees of your insurance company. They do not work for you. They represent your insurance company and their interests not yours. Company Adjusters do not charge a fee and they do not need to be individually licensed or tested by the State of California Department of Insurance.

Type 3 – Independent Adjusters

Independent Adjusters are insurance adjusters who are hired by your insurance company to represent them and their interests. They also do not work for you. Independent Adjusters work on behalf of your insurance company to assist them in the adjustment of your claim. They are paid by your insurance company and should never charge you a fee.

Your insurance company may have more than 1 adjuster handling your claim. If you do have more than 1 adjuster involved in your loss, you should know exactly what aspect of your claim each person is responsible for adjusting.