Insurance adjusters are those who are hired in order to protect the interests of the company and its shareholders, these professionals study a claim made and the authenticity of it. The public claims adjusters, on the other hand are hired in order to make claims on behalf of the claimant. Thus public claims adjusters and insurance adjusters are two sets of professionals doing the same job but for different parties with possibly conflicting interests.
Insurance is a very complicated business. Most people do not bother to read the big bundle of documents that come with the policy and even if they do, most are not able to grasp everything written in complicated insurance jargon. This is more apparent when you try to read the manuals after an incident occurs and you are under stress.
Most of the policy holders who do not hire a insurance claims adjuster often run the risk of getting no returns on their claims as compared to those who hire public adjusters. The adjusters meet with the required personnel and also hold discussions to try and get returns for their claimants and help ease the burden.
There are public adjusters who prepare their clients for disasters before they occur and help them be mentally prepared. They also help them make proper assessment of their property according to the current market value. Some insurance adjusters recommend hiring public adjusters so that the entire insurance claims will be done in a proper and hassle free manner. Hence most public adjusters have good relationships with insurance adjusters or the companies even though one is trying to get money from the other. This is so because both the parties want to settle the claim smoothly and that is just what the claims adjuster does.
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