How to Know When You Need an Insurance Adjuster

If you are in a situation where you have experienced theft of your property or damage to your home, you may find yourself needing to make an insurance claim. When you make an insurance claim, it is likely that you will be working with an insurance adjuster in Miami who is in charge of assessing damage and determining what needs to be paid.

In most cases, the claim begins by contacting an insurance agent and providing them with information. After that, an insurance adjuster will be assigned to work on the claim. Working with them is important as part of the process towards getting your claim.

Types of Adjusters

There are three types of claims adjusters: company, independent, and the public. The company adjuster works for the insurance company that you are filing with. An independent adjuster is a contractor who the insurance company pays to handle a claim. The final type of adjuster, public, works for you. This person is hired by a policy holder to be sure you are getting the most benefits from the insurance policy as possible.

When to Use a Public Insurance Adjuster

When there is an insurance company adjuster involved in the claim, you may find that you believe you need a public insurance adjuster. However, some people may be fine working with the company adjuster through the process. If you believe the insurance company may not have your interests at heart, having an insurance adjuster in Miami of your own is the best option.

Why Choose Public Adjusters

There are dozens of reasons you might choose to hire an insurance adjuster to represent you. The most common reasons are when you encounter a massive loss, when you feel the company adjuster is not communicating properly with you, and when you disagree with the decision of the company adjuster. An example might be if you feel that the claim was not properly reviews or that damages were not indicated properly.

Determining You Need an Adjuster

Having an insurance adjuster on your side is a good thing, but it isn’t always needed. If you are having issues with the company adjuster, it might be time to consider the option. We recommend finding out how the claims process goes before hiring anyone. This allows you to save money while getting the best possible results.


Michael A. Puchades, ESQ - Property Damage Attorney in Miami