Public adjusters represent which party in a claim?

• A. Insurers
• B. Insureds
• C. Government entities
• D. Third-party administrators

Answer: (B)

Public adjusters are hired by the insured after a loss to manage the claim and advocate for the insured’s interests. They examine the damage, document losses, prepare the claim, and negotiate with the insurer to secure a fair settlement. This role is distinct from insurer staff adjusters, who represent the insurance company, and from third-party administrators or government entities, which do not represent the insured. Because public adjusters work for the policyholder, they serve as the insured’s advocate throughout the claims process.