Who does your adjuster work for?

Who does each adjuster represent?

The important distinction is the party the adjuster serves on your claim. A company adjuster works for the insurer. An independent adjuster may be hired by an insurer to handle an assignment. The word independent does not mean that adjuster represents the homeowner. A public adjuster is engaged by the policyholder.

How their work overlaps

All may inspect property, review documents, and evaluate damage. Their assignments and authority differ. Ask each person to identify their role, company, contact details, and responsibility for the next decision. An inspection does not by itself confirm coverage or final payment.

• Ask who will prepare and approve the estimate.
• Request the insurer's written explanation of disputed or excluded items.
• Keep the inspection record, photographs, and correspondence together.
• Identify any specialist findings and the evidence supporting them.

Do you need your own representative?

You may be able to manage a straightforward claim yourself. Consider a public adjuster review when the scope is disputed, several coverage questions overlap, or the documentation is difficult to manage. Legal advice and litigation belong with an attorney; repair work belongs with an appropriately licensed contractor.

Compare the agreement before deciding

Verify the adjuster and firm in Florida DFS license search. Read the scope, fee calculation, cancellation rights, and separate expense terms. Do not assume that a commonly advertised percentage applies to every situation; our fee guide explains the distinctions.

Learn what a public adjuster does, or request a free assessment to discuss your own documentation and questions.