Public Adjuster vs. Insurance Company Adjuster: What’s the Real Difference?
Introduction
When disaster strikes your home or business, your first call is often to your insurance company. But who’s really working in your best interest when it comes time to settle your claim? Let’s examine a Public Adjuster vs Insurance Company Adjuster.
Most property owners don’t realize there are two types of adjusters involved in the claims process: the insurance company’s adjuster and the public adjuster—who represents you, not your insurer.
Understanding this difference could mean thousands of dollars in your final settlement.
What Is an Insurance Company Adjuster?
An insurance company adjuster is employed directly by your insurance provider. Their primary goal is to evaluate damages and control claim costs on behalf of the insurer.
While most company adjusters are professional and courteous, their loyalty lies with the insurance company—not with you. Their job is to minimize payouts and protect company profits.
In short:
- They work for the insurance company.
- They’re paid by the insurance company.
- Their goal is to limit the amount the insurance company pays out.
What Is a Public Adjuster?
A public adjuster is an independent, licensed professional who works for the policyholder—not the insurance company.
Public adjusters handle the entire claim process from start to finish, including damage assessment, documentation, negotiation, and settlement.
At Florida AllStar Public Adjusting (FAPA, Inc.) we:
- Inspect and document every detail of your property damage.
- Handle all communication and paperwork with your insurance company.
- Negotiate directly with the insurer to ensure you receive a fair and full settlement.
Our loyalty is 100% to you—the policyholder.
Key Differences at a Glance
Feature | Insurance Company Adjuster | Public Adjuster |
Who They Work For | The insurance company | The policyholder |
Goal | Minimize payout | Maximize payout |
Payment Source | Insurance company salary | Small percentage of settlement |
Process | Fast but often under-evaluated | Thorough, detailed, and fair |
Best For | Insurance company | Homeowners and business owners |
Why Hiring a Public Adjuster Matters
Hiring a public adjuster can dramatically improve your claim outcome. Independent studies by the Office of Program Policy Analysis and Government Accountability (OPPAGA) show that policyholders who hire public adjusters receive between 574% to 747% more (non-hurricane claims and hurricane claims, respectively) in settlements compared to those who file claims alone.
At FAPA, Inc. we specialize in complex and high-value claims where attention to detail makes all the difference. We don’t just file paperwork—we fight for every dollar you’re entitled to under your policy.
Common Situations Where a Public Adjuster Can Help
- Hurricane or storm damage
- Fire or smoke damage
- Water or mold damage
- Roof leaks
- Business interruption claims
- Denied or underpaid claims
- Rental Policy Claims
If you’ve already filed a claim but feel shortchanged, a public adjuster can reopen and negotiate a better settlement on your behalf.
How the Process Works with Florida AllStar Public Adjusting
- Free consultation – We review your policy and damage.
- Thorough inspection – Our experts document all losses with photos, reports, and estimates.
- Claim preparation – We compile evidence and handle all insurer communications.
- Negotiation & settlement – We advocate for your maximum payout.
You don’t pay us unless we recover money for you.
Final Thoughts: Whose Side Is Your Adjuster On?
When you’re facing the stress of property damage and an uncertain insurance process, the difference between an insurance adjuster and a public adjuster is simple:
One protects the insurance company’s bottom line.
The other protects you.
At Florida AllStar Public Adjusting (FAPA, Inc.), we level the playing field. We’ve helped countless homeowners and business owners recover fair settlements after disaster strikes—and we’re ready to help you too.
✅ Get the Settlement You Deserve.
Don’t go up against the insurance company alone.
👉 Contact FAPA, Inc. today for a free claim review.
📞 954.659.8333
📧 (Contact Us)
🌐https://allstaradjusting.com
