Which type of adjuster represents the policyholder?

The type of adjuster that represents the policyholder is a public adjuster. Public adjusters work on behalf of individuals or businesses who have filed claims with their insurance companies. Their primary responsibility is to ensure that the policyholder receives a fair settlement based on the terms of the insurance policy and the damages sustained.

Public adjusters navigate the claims process for the policyholder, providing expertise and guidance through the complexities of insurance claims. They assess damages, document claims, and negotiate with the insurance company, ensuring that the policyholder’s interests are prioritized.

In contrast, insurance company adjusters are employed by the insurance provider and represent the company’s interests. Independent adjusters work on a contract basis for insurance companies but do not represent policyholders. Claims adjusters, which is a more general term, can refer to any adjuster who assesses insurance claims, including those employed by the insurer or operating independently. The distinct role of a public adjuster is centered on advocating for the policyholder throughout the claims process.