If you’ve ever filed an insurance claim for property damage in the Philadelphia, PA area, you’ve likely encountered an adjuster. But not all adjusters are created equal. Knowing the difference between a public adjuster and an insurance company adjuster can significantly impact the outcome of your claim.
Who Does a Public Adjuster Work For?
A public adjuster in Philadelphia works for you—the policyholder. They are licensed professionals who advocate on your behalf to ensure your insurance company pays you what you’re entitled to after property damage. Whether you’re dealing with a fire, flood, storm, or other disaster, a public insurance adjuster near you will handle the entire claims process, from damage assessment to final negotiation.
Who Does an Insurance Company Adjuster Represent?
On the other hand, an insurance company adjuster works directly for the insurance provider. Their job is to protect the company’s interests, which often means minimizing the payout. While they may seem helpful, they ultimately serve the insurer—not you.
Why the Difference Matters in Philadelphia Insurance Claims
When disaster strikes—like a burst pipe, house fire, or storm damage—having a Philadelphia public adjuster on your side can mean the difference between a lowball offer and a full settlement. Here’s why:
- Public adjusters maximize your payout.
- They understand complex policy language.
- They document and value every detail of your loss.
- They negotiate directly with your insurance company.
Example: Storm Damage in Philadelphia
Let’s say a severe storm rolls through your neighborhood, damaging your roof and flooding your basement. The insurance company’s adjuster might assess the damage quickly and offer a payout that barely covers repairs. A storm damage adjuster in Philadelphia, PA—a public adjuster—would conduct a far more thorough evaluation, ensuring you’re compensated for hidden damages, loss of use, and any structural concerns.
Searching for the Best Public Adjuster in Philadelphia?
If you’re looking for the best public adjuster in Philadelphia, make sure they are:
- Licensed in Pennsylvania
- Experienced in handling fire, water, and storm damage claims
- Responsive and local
- Highly rated by past clients
Before accepting any offer from your insurer, consider reaching out to a Philadelphia public adjuster who works solely to protect your financial interests.