The claims process is a confusing one. The person you work most closely with is the adjuster. But what does an adjuster do? To shed some light on this, I want to define what an adjuster is and the different types of adjusters there are.
Why are they called adjusters?
Growing up with a dad who is a public adjuster, I never understood why the word “adjuster” was used. What are they adjusting? They are adjusting the amounts of money each element of the claim is worth according to age, amount of damage, condition, what your contractor charged, what the prices are where you live. During the claim process, the numbers jump all over the place according to these conditions. The adjuster is adjusting those numbers to fit the claim.
There are a few different kinds of adjusters.
The person who comes to your house to estimate the damage is the adjuster. Some companies employ their own adjusters and some outsource the job to independent adjuster organizations. From the claimant’s perspective, they perform the exact same function and would be your contact person for the duration of the claim.
You may also hear the terms inside adjuster or outside adjuster. The outside adjuster is the person who comes to your house, whether he or she is an insurance company-employed adjuster or an independent. The inside adjuster is the person who deals with the claim from the insurance company’s office – a liaison between the outside adjuster and the other parts of the company involved in the claim. Inside adjusters are employees of the insurance company.
A public adjuster is hired independently by you and acts as your representation against the insurance company adjuster. A public adjuster handles the whole claim process and will maximize your settlement and save you a lot of time and aggravation. The public adjuster will level the playing field between you and the insurance company providing you with the peace of mind that you’re getting the best possible settlement.
Is the insurance company adjuster my friend?
The insurance company adjuster may be the nicest person in the world and do an excellent job. But keep in mind, these folks work for the insurance company whether they’re independent or company employees. They represent the company, not you. They have the power in the situation which may or may not be to your detriment. It’s definitely not to your advantage. But your public adjuster is your friend. Your public adjuster represents you and works for your benefit.
At Robert L. McCormack Public Adjusters, we offer many services, and can truly help you throughout the course of your claim. Contact us today by filling out our contact form, or by giving us a call at 508.588.4243.