How is a public adjuster different from an insurance company adjuster?

Your insurance company's adjuster is either employed by the insurer or contracted to it. Their job is to evaluate the claim under the terms most favorable to the carrier. A public adjuster has no relationship with the insurance company. We are hired by and answer to the policyholder only. That difference in loyalty shows up in the outcome. Policyholders who work with a public adjuster consistently recover more on their claims than those who navigate the process on their own.