Independent Adjuster vs. Public Adjuster: What’s The Difference?

a public insurance adjuster.

When filing insurance claims or dealing with complex insurance issues, you might have encountered public adjusters and independent adjusters. Unfortunately, many think that independent and public adjusters are two names of the same job. Well, that’s not true. Let’s find out the difference between both.

Independent Adjusters

Independent adjusters are representatives that serve on behalf of the insurance companies. They are not employees of the insurer, but they’re hired for their services, and their compensation comes through their contracted independent adjusting firm.

These firms have a network of independent adjusters available to act upon when needed. When an insurer has too much on their plate and their staff can’t handle the claims workload, they’ll seek the services of an independent adjuster through an IA firm.

Always remember that independent adjusters have no obligation to represent the policyholder. They’ll act in the best interest of your insurance company. Like any adjuster, they’ll handle the claims received by the insurer.

a person is holding a business card.

Independent adjusters bring a wealth of experience to the table. They’ll thoroughly analyze the facts of any claim brought to the insurance company, and based on that, they’ll recommend an adequate settlement.

Public Adjusters

Public adjusters represent the policyholder’s best interest and act on behalf of the holder to communicate with the insurance company. They’re also often referred to as public insurance adjusters. Policyholders are increasingly using the services of public adjusters to help them with the intricacies involved in filing a residential or commercial insurance claim.

These public adjusters are highly experienced individuals who know the ins and outs of the insurance claim process. If you’re planning to file an insurance claim, it’s highly recommended to hire the services of an experienced public insurance adjuster who’ll help you negotiate a fair settlement with your insurer.

Public adjusters might work on their own, or within a large firm of several public adjusters. These certified professionals have a unique skill set. They typically charge a percentage of the claim amount, which can range from 5-10%, depending on the complexity of your case.

Hire Experienced Public Adjusters in TX

If you’re looking for reliable, transparent, and experienced public adjusters, check out Morgan Elite Specialist Services. Our team of highly professional public adjusters in Texas has extensive industry experience of over 75 years in dealing with different types of residential and commercial insurance claims.

We can help you manage your claim, including collecting and filing documentation, recording damage evidence, and negotiating with the insurer for a fair settlement. Whether you’re looking for an insurance appraiser, damage consultant, or public adjuster for your claim, we can help.

Report a claim now or contact us today for more details.