Public adjusters represent

Public adjusters represent

• A. Insurers
• B. Insureds
• C. Mortgagees
• D. Agents

Answer: (B)

Public adjusters represent the insured. They’re hired by homeowners or business owners after a loss to manage the claim, document damages, prepare a detailed proof of loss, and negotiate with the insurance company to secure a fair settlement based on the policy terms and actual losses. Their role is to advocate for the insured’s interests, not the insurer. This is what sets them apart from other adjusters who work for insurance companies, and from lenders or agents who do not represent the insured in the claim process. Public adjusters operate under licensing and fee rules and generally charge a percentage of the settlement.

Public adjusters represent the insured. They’re hired by homeowners or business owners after a loss to manage the claim, document damages, prepare a detailed proof of loss, and negotiate with the insurance company to secure a fair settlement based on the policy terms and actual losses. Their role is to advocate for the insured’s interests, not the insurer. This is what sets them apart from other adjusters who work for insurance companies, and from lenders or agents who do not represent the insured in the claim process. Public adjusters operate under licensing and fee rules and generally charge a percentage of the settlement.