There are three types of adjusters licensed by the State of California:
Company Adjuster - is employed by the Insurance Company to represent the company in dealing with your loss and damages. The Company Adjusters main responsibility if to protect the interests of the Insurance Company.
Independent Adjuster - is hired by the Insurance Company to represent the company in dealing with your loss and damages. The Independent Adjusters main responsibility is to protect the interests of the Insurance Company.
Public Adjuster - A Public Adjuster is the only Adjuster specifically licensed by the State of California to represent you, the Insured. The Public Adjusters main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.
If you have just suffered an insurance loss, from a fire, hurricane or some other traumatic event, you may not feel confident in representing yourself and your interests before an Insurance Company. Consider these three points.
1.) It is up to you to prove the extent of your loss to the Insurance Company.
A typical insurance policy is dozens of pages long and contains numerous provisions and stipulations written in technical and legal terms. Additionally, it contains various forms and endorsements which are constantly changing from year to year. Most Insureds have difficulty in understanding all of them. To be compensated for your loss, there are certain conditions which must be satisfied Failure to do so could reduce your settlement amount or even cause your claim to be denied.
2. No matter how organized you and your documentation is, filing and receiving payment on a claim can be a time consuming and tedious process.
If you are not sufficiently organized and your loss documented, you may not realize the compensation you have paid for and are entitled to receive.
3. A Public Adjuster has the experience, knowledge and expertise to obtain your maximum entitlements under your policy.
Remember that the Insurance Company Adjuster is representing the insurance company. It is not uncommon for the Insurance company to misinterpret their own insurance policy or forget to apply case law or California Statutes which supersede their own policy. A Public Adjuster will know current laws as they affect insurance losses and how to best represent you. A Public Adjuster has resources to help you through the maze of estimating, documenting, and filing your insurance claims.