What’s the Difference Between a Public Adjuster and My Insurer’s Adjuster?

When you experience property damage in Orlando, FL, and file an insurance claim, you will interact with an insurance adjuster. However, not all adjusters work for you. Understanding the fundamental difference between the adjuster assigned by your insurance company and a Public Adjuster Orlando FL is the single most important factor in determining the outcome of your financial recovery.

The Insurance Company’s Adjuster

Who They Are and Who They Represent

The company adjuster is an employee of your insurance company or an independent contractor hired by them. Their loyalty is to the insurer. Their mission is to assess the damage based on the policy contract and determine the company’s financial obligation. They are trained to interpret the policy in a way that protects the insurance company’s interests, often focusing on exclusions and minimizing the total payout.

Their Focus: Minimizing the Insurance Claim Payout

The company adjuster’s priority is not your full recovery. They often conduct quick, surface-level inspections. They may overlook hidden damages, undervalue items, or calculate depreciation in a way that reduces the final settlement amount. They are a necessary step in the insurance claim process, but they are not your advocate.

The Public Adjuster in Orlando FL

Who They Are and Who They Represent

A Public Adjuster Orlando FL is a licensed, third-party professional who is hired directly by you, the policyholder. Their legal and financial duty is solely to you. They are your personal advocate, operating entirely independently of the insurance company.

Their Focus: Maximizing Your Insurance Claim Settlement

The public adjuster’s job is to level the playing field. They have the same training and policy knowledge as the company adjuster, but their interest is the exact opposite:

• Independent Valuation: They conduct a thorough, meticulous inspection, often using specialized equipment like thermal cameras to find hidden damage, including structural issues or potential mold.
• Expert Documentation: They compile a massive, detailed file of evidence—contractor estimates, moisture readings, photos—to scientifically justify the true cost of repairing your property.
• Negotiation: They handle all communication and negotiation with the insurer, pushing back on underpayments, claim denials, and incorrect applications of policy language.

How They Get Paid: Contingency vs. Salary

Company Adjuster

They are paid a salary by the insurance company. Their compensation is not tied to the amount of money you receive.

Public Adjuster

They work on a contingency fee basis. This means they are paid a small percentage of the final settlement. If they do not recover money for your loss, you do not owe them anything. Their success is directly tied to yours, ensuring they fight to maximize your recovery. Claims Advocate Resolution Experts are professional, licensed advocates who maximize your recovery from the insurance company.

Don’t negotiate the most complex financial process of your life alone. Contact a licensed public adjuster to ensure your financial recovery is full and fair.

Nader Maali

Claims Advocate Resolution Experts (CARE)

7041 Grand National Dr Suite 214, Orlando, FL 32819

(844) 932-2731

https://uscareclaims.com/fl-claims-locations/orlando-fl/

info@uscareclaims.com