What does each adjuster do?

Confusingly, there are multiple people who carry the title “adjuster” who you will interact with throughout this process.

Each performs a different function, and some charge you fees. 

*This information has been checked for accuracy and non-bias
 by licensed professionals, experts and representatives from 
National 501c3’s. Consult with a licensed professional about your specific situation.

Here’s a quick breakdown of the three main types of adjuster. 

 

  • That’s entirely personal, but experts do advise that if you’re underinsured, you’ll want to do as much as you possibly can to deal with your insurance company yourself before hiring a Public Adjuster, since they take a part of your settlement (a lot can be achieved with good templates and strategic asks). We’ll give you the full rundown on Public Adjusters in the next step so you can make a decision that’s right for you. 

  • This person does NOT work for your insurance company. You can hire a Public Adjuster to fight the insurance company on your behalf.


  • This person works for your insurance company and will be who you deal with for your insurance claim. They are who you talk to about payouts, etc. You speak directly with this person regularly.


    *Your Desk Adjuster may change, even a few times, over the course of your claim process. If they get switched out too many times, you have rights under California law. We’ll walk you through those.

  • This is the person who your insurance company sends out to visit your property to assess the damage and estimate the cost to repair it. You will likely only deal with them at the site visit.