Understanding The Different Types of Insurance Adjusters in Texas

an adjuster is holding a bag

Seeing your home damaged by unwanted natural disasters can be pretty stressful. However, filing a claim with your insurer to recover damages can be even more painful. This is why you should probably consider hiring an adjuster to handle your claims process.

However, when you get a professional to help you with all your claim needs, you might come across the terms independent adjusters, public insurance adjuster, and company adjusting services. It can be hard to determine the right person for the job if you don’t know the difference between these roles.

This guide will help you identify the different types of adjusters that provide services, their roles and responsibilities, and who you should look to hire to help you file a prompt claim with your insurer.

Company Adjusters

As the name suggests, these state licensed individuals are employed by a specific insurance company and are on their payroll. It’s essential to understand that these insurance adjusters work in the sole interest of your insurer, and their goal is to minimize the financial exposure to claims of their employers.

These company adjusters handle processing claims, negotiate with other stakeholders, and ensure a swift settlement process. They are highly experienced and qualified individuals and will also know the insurance adjusting industry inside out.

person looking for an adjuster

Independent Adjusters

Independent adjusters are representatives that serve on behalf of the insurance company. One important thing to note is that they’re not employees of the insurance provider or on their payroll. They’re only hired for their services, and their compensation comes as a result of their services and comes from their contracted independent adjusting firm.

These firms provide comprehensive adjusting services and have a wide network of experienced and reliable independent adjusters to act upon insurers’ demands. Insurance companies normally hire independent adjusters when they have a lot of claims to process and their staff can’t handle them alone.

These adjusters work independently, but they’re representatives of the insurer and don’t have to make a case for you. They’re under no obligation to act in your best interest. They’ll put the insurer’s interest first and try their best to lower your settlement claim.

a public adjuster on the phone

These independent adjusters are experienced and have significant expertise in handling all kinds of claims. They’ll analyze every case on its merit and thoroughly dispute any fact or claim brought by you to ensure a minimal settlement for the insurance company.

Public Adjusters

Public adjusters may be one of the most important professionals to help you with your insurance claim. Public adjusters represent the policyholder’s best interest and act on behalf of the holder to communicate with the insurance company.

People and businesses are actively using the services of public adjusters to help them with the ins and outs of filing a residential or commercial insurance claim.

These highly professional and experienced public adjusters will do everything legally possible to ensure you receive a fair and adequate settlement for your claim. If you’re planning to file an insurance claim, it’s recommended to hire the services of an experienced public insurance adjuster who’ll help you negotiate a fair settlement with your insurer.

a person using a laptop

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.

When choosing a public adjuster, do your due diligence and select one that meets your unique needs and requirements. The last thing you want is to hire an adjuster who doesn’t have the necessary experience to handle your complex claim and end up disturbing the entire process.

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 industry experience of over 75 years in dealing with different types of residential and commercial insurance claims.

Our staff and experienced adjusters are well-versed in handling every aspect of an insurance claim. We can help you with different aspects, 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.