Such claims have little or no impact on your insurance coverage. Smaller claims may be settled by your insurance agent or company representative. But in most cases, an insurance adjuster will contact you by telephone within 48 hours after you make a claim. Staff adjusters work for insurance companies, while independent adjusters are owners or employees of adjusting companies hired by insurance companies to adjust cliams. In either case, the adjuster represents the insurance company.
Adjusters are responsible for making sure the claim receives prompt attention and fair settlement.
They are also responsible for identifying fraudulent claims. Public adjusters work for policyholders rather than on behalf of an insurance company, and are not paid by insurance companies. You may be approached by a public adjuster if your home or other property has been badly damaged by a disaster, such as a serious fire, hurricane, or tornado. A public adjuster may contact you before a company adjuster, because some public adjusters monitor fire department radio channels. Usually attorneys are hired when people suffer serious injuries in auto accidents that they believe are caused by someone else's negligence.