Independent, Staff, & Public Adjusters
There are essentially four (4) basic types of adjusters involved in the average insurance claim for property damage. The use of independent adjuster, staff adjusters and field staff adjusters varies with the risk that the insurance carrier is insuring. Public Adjusters, which are rarely needed or required in the average property or homeowner’s claim for damages, are hired by the insured (property owner). We’ll be reviewing why Public Adjusters aren’t really necessary in the near future.
Let’s start with the average property owner’s claim for common cause of loss perils not in a catastrophic situation. In small to mid-size insurance carriers there is usually a staff of adjusters based out of a home office that are commonly or duly known as carrier claim representatives. The carrier claim reps usually work out of a central office and handle the administrative portion of the claim such as gathering the proof of loss, witness information (if any), underwriting concerns, and last but not least: printing of the claim payment check (indemnification).
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