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Public Adjuster vs. Insurance Company Adjuster: Know the Difference

If you've ever filed a property damage claim in Florida, you know how stressful the process can be. Understanding who’s on your side is crucial. When disaster strikes—whether it’s a hurricane, flood, fire, or roof leak—two types of adjusters may come into play: public adjusters and insurance company adjusters. But what exactly is the difference?

Let’s break it down so you can make an informed decision during your insurance claim process.

Who Is an Insurance Company Adjuster?

An insurance company adjuster—also known as a staff or company adjuster—is hired by your insurance company. Their job is to assess the damage to your property and determine how much the insurer should pay for your claim. While they may be polite and professional, remember: they work for the insurance company, not you.

Their goal is to protect the financial interests of their employer, which often means settling claims for as little as possible.

What Is a Public Adjuster?

A public adjuster is an independent licensed professional who works exclusively for you—the policyholder. Their role is to:

Evaluate property damage thoroughly
Document and file your insurance claim
Negotiate with the insurance company on your behalf
Ensure you receive a fair and maximum settlement

In Florida, public adjusters are especially valuable due to the state’s frequent exposure to hurricanes, flooding, and other weather-related incidents. They understand the local regulations and are familiar with common insurer tactics.

Key Differences at a Glance

Why Florida Residents Should Consider a Public Adjuster

Florida homeowners often face complex claims due to hurricanes, tropical storms, and water damage. Insurance companies may undervalue or even deny your claim. A public adjuster ensures that your claim is properly documented and your settlement is fair.

In fact, a study by the Florida Legislature's Office of Program Policy Analysis & Government Accountability (OPPAGA) found that public adjusters help policyholders receive settlements up to 747% higher than those without.

When to Hire a Public Adjuster

After major storm or hurricane damage
If your claim has been denied or underpaid
When the damage seems more severe than the insurer acknowledges
If the claims process is dragging on or feels unfair

Don’t Face Your Insurance Company Alone

When you're already dealing with the stress of property damage, the last thing you need is an unfair settlement. Let a licensed public adjuster in Florida fight for your rights and ensure you get the compensation you deserve.