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Understanding the Roles Played by the Public Insurance Adjusters in the Claims Process

Any damage or loss of any kind on your property such as that on your home or car such as would be in an accident or theft, and where the same happened to have been insured, such kinds of occurrences on your property would definitely lead to making or filing for a claim from your insurance carrier. When it comes to the times for these kinds of claims, chances are so high that you would be working with an insurance adjuster as they are the ones who will be assigned to assess the damage and figure out what is that is to be paid.

By and large, even though filing for a claim happens to be known for the effects of increasing your insurance rates in the future and can be quite burdensome, for a majority of the policyholders when they get to suffer loss or damage on their property will opt to file for these and pay the deductible instead of taking on their own the entire financial burden that follows these eventualities and this is more so for the risks such as car accidents and disasters like fires and flood damage restoration.

When starting the claim process, this begins with contacting your insurance carrier via your insurance agent to whom you will give all the details of the incident. After you have so reached out to the insurance agents and the company by extension, what will then follow will be having an insurance adjuster assigned to the claim you have. Basically, looking at the entire claims process, working with the insurance claims adjusters is the most important one by far and large.

It is actually the claims adjuster whom you will be working with most of the time during the claims process. As far as the types of the insurance adjusters go, you need to know that there are basically three types of adjusters and these are the company insurance adjusters, the independent insurance adjusters and the public insurance adjusters. The company insurance adjuster and the independent adjusters share a common feature in the fact that they are affiliated to the insurance company by virtue of some agency relationship, working for the insurance company or hired by them.

When it comes to the public insurance adjusters, these are as well independent adjusters but instead of being hired by the insurance company, they are hired by the policyholders themselves. In essence the public insurance adjusters will work for the policyholders. The independent insurance adjusters and the company insurance adjusters charge the policyholder no fee for their services but still there are a number of reasons and cases where as a policyholder you will see sense in hiring the services of a public insurance adjuster.
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