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Are insurance loss adjusters impartial?
May 2, 2022 at 4:00 AM
An insurance policy document with a magnifying glass.

When you experience some form of loss, whether it’s damage to your property, loss of personal items, or a similar event, your insurance policy should keep you financially protected. But when you file a claim, your insurer needs to be certain that you’re being reimbursed correctly for the level of damage you’ve sustained.

This is the role of the insurance loss adjuster: to verify that your insurance reimbursement accurately reflects what your policy affords you for the type and level of loss you’ve taken.

But whose side is the insurance adjuster on? Are they working on behalf of an insurance company that wants to minimize the loss you’ve experienced and pay as little as possible? Or are they there for you, to ensure that you’re getting as much as you’re promised by the policy you have through your insurer?

The actual answer is somewhat more complicated than either of these. Adjusters are meant to provide an impartial service that simply verifies that you’re getting the right amount of money to compensate a financial loss that’s covered by your policy, but the reality is that some adjusters do work directly for insurance companies while providing these services. Others work as public adjusters and are hired by policyholders to verify damages on their behalf.

Knowing the difference between these types of insurance adjusters may be crucial when it comes to the amount of money you’re reimbursed for. That’s why in this blog post, we’ll explore the role of adjusters in general in greater detail and highlight the differences between those that work for insurance companies or as public adjusters.

Understanding the role of an insurance loss adjuster

Various different types of damages and financial loss may be covered under an insurance policy, and you’ll be reimbursed for different amounts for these losses depending on what’s covered in your policy and the severity of the loss.

The details of your damages, though, are where things can go wrong in terms of the amount of money you’re reimbursed for. If, for example, the loss isn’t as great as indicated in your claim, you could receive more money than intended to cover it. On the other hand, without proper verification to indicate that the loss truly is as substantial as your claim reflects, you may not receive as much compensation as you should’ve.

Insurance loss adjusters are meant to verify the situation and effectively adjust the amount you receive to accurately reflect both your loss and the amount you’re actually entitled to under your policy. The service they provide remains the same regardless of who they’re working for.

What’s the difference between an insurance company adjuster and a public adjuster?

Though all insurance adjusters essentially provide the same service, the motives and the effects of their work may differ depending on who they’re working for. Typically, public adjusters hired by policyholders and adjusters employed by insurance companies are the two types that you’ll work with in the event that you file a claim.

After you file, your insurance company provides an adjuster to you at no extra charge. While this is offered as a free service, it’s important to keep in mind that the adjuster is there on behalf of your insurer, to whom any settlement is a financial loss, instead of for you. This doesn’t mean that the adjuster will look for reasons to undermine your claim by any means, only that they are performing this service for the benefit of the insurer, not you.

Public adjusters have no such relationship with an insurance company and are hired to perform their services by you, but you’ll have to pay a fee for those services. The benefit, though, is that they’ll be working on your behalf rather than your insurer’s, which may offer greater peace of mind that the process will be an impartial one.

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Get fair, impartial insurance loss adjustment services from Delaware Valley Public Adjusters

Do you need help from an insurance loss adjuster and assurance that you’ll get exactly what you’re entitled to? Delaware Valley Public Adjusters can help with various different types of claims. To learn more or to get started, schedule a consultation or contact us now!