Do you Know What a Public Adjuster is?

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Do you Know What a Public Adjuster is? When
people ask me what I do for a living I know that
I cant just say public adjuster the same way
that an accountant or attorney could state their
job title without having to go in to
description. After I say public adjuster and
then go in to my prepared elevator speech, most
people are already tuned out assuming they know
what it means. Most people immediately assume
that when they hear adjuster I work for an
insurance company in some capacity. This could be
as an independent contractor or employee of the
insurance company. Over time I have found
certain phrases to explain what I do so that
people can tune back in. The following is my go
to speech
I am a public insurance adjuster. What that means
is that I work for the insured not the insurance
company. I am licensed by the state to be able to
work on behalf of the insured to make sure that
they get a fair settlement in a fair amount of
time. This can be confusing because when a person
has a loss and they file their claim the
insurance company tells them that your adjuster
will contact you for next steps. This is not
accurate because the adjuster that is calling
from the insurance company is an employee of the
insurance company, which means that they are
working as a paid employee for the insurance
company. Therefore a person who has a loss has
one of two choice. Work on their own behalf to
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adjust their claim and negotiate with the
insurance company or hire a public adjuster to
adjust the claim for them. As a public adjuster
we typically receive at least 30 more insurance
proceeds than an insured would be able to recover
without the help of an expert advocate on their
side. So what is a public adjuster? An adjuster
that works as an advocate for the insured. An
adjuster that is licensed by the state they are
in to be able to work on behalf of the
insured. An adjuster who measures and documents
the claim to submit for consideration and payment
on the claim. So what is a public adjuster not?
A contractor or roofer. A contract or company
employee of the insurance company. The sole duty
of a public adjuster is to advocate on behalf of
their client. A public adjuster has no
obligation to an insurance company and is not
financially invested in the construction or
restoration resulting from the claim.