A public insurance adjuster is an insurance claims adjuster/ public claims handler who helps the policyholder with negotiating and reviewing a policyholder’s insurance claim. The adjuster’s job is to help protect the policyholder from a policyholder’s insurance company.
There are several things the adjuster can do as a policyholder’s insurance company is under investigation for fraudulent or negligent actions. They can offer advice to the insurer on which course of action should be taken. They also can work to review the claims process if this is the case, and offer information and recommendations to the insurer about the claim process and the appropriate steps the policyholder should take to help avoid having to file a claim.
In the event that a claim is denied, the public insurance adjuster will attempt to explain the process involved in the claims procedure and may even be able to provide information or recommendations to the insured about the best way to handle claims in the future. In cases where a claim is denied or the claim is not resolved quickly enough, they will offer suggestions for what the insurance company can do to improve the claim-processing process.
Public adjusters are also employed to provide coverage to other policyholders in their area. For instance, a claim adjuster may have a group of adjusters who all work together and provide coverage to policyholders in their area. The adjuster may have a particular focus on working with a certain type of policyholders. In cases of an insurance claims adjuster working in a rural area, they may not have experience with large policyholder populations, such as policyholders with more than a few thousand policyholders.
Because they are involved with the settlement of claims in a specific situation, a public insurance adjuster should have knowledge of the policies covered by the policyholder’s insurance policy. They should also be familiar with the insurance company’s claims process and the procedures they use to process claims. For instance, public insurance adjuster should know when to contact the insurer’s claims department to receive any documentation necessary to help them in the claim process, including any medical records or other evidence that a claim could lead to in resolving the claim.
When choosing a public insurance adjuster, the person or company you choose should have enough experience in the insurance claims process, understand the ins and outs of the insurance industry, and be knowledgeable about the different types of policies offered by the insurance provider. If these are found in a public insurance adjuster, the insurer can be sure that the adjuster has adequate knowledge and expertise in their own area and can be helpful to the insurer in helping to resolve claims.