Understanding the Differences Between Appraisers and Adjusters

April 26, 2023

What Homeowners Need to Know When Filing an Insurance Claim

When filing an insurance claim, homeowners may come across the terms "appraiser" and "adjuster." While these terms are often used interchangeably, they actually refer to two different professions with distinct roles and responsibilities. Understanding the differences between appraisers and adjusters can help homeowners make informed decisions when filing their insurance claims.

What is an Appraiser?

An appraiser is a professional who determines the value of a property, whether it be a home, commercial building, or personal item. In the context of insurance claims, an appraiser is typically hired by the insurance company to assess the value of the damage and determine the appropriate payout amount.

What is an Adjuster?

An adjuster, on the other hand, is a licensed professional who works on behalf of the policyholder to negotiate with the insurance company and ensure that the policyholder receives the appropriate compensation for their damages. Adjusters are typically hired by the policyholder or by a public adjusting firm like Property Damage Adjuster.

What are the Differences Between Appraisers and Adjusters?

The main difference between appraisers and adjusters is who they represent. Appraisers work for the insurance company and are responsible for assessing the value of the damage. Adjusters work for the policyholder and are responsible for negotiating with the insurance company to ensure that the policyholder receives the appropriate compensation.

Another key difference is their training and licensing requirements. Appraisers typically require a degree in a related field, such as real estate or finance, and must be licensed by their state. Adjusters, on the other hand, must also be licensed by their state but often have a background in law, insurance, or construction.

Which One Do You Need?

When filing an insurance claim, it is important to have a licensed public adjuster on your side. While an appraiser may be able to accurately assess the value of the damage, they do not have the same obligation to the policyholder as an adjuster does. An adjuster works exclusively for the policyholder and has their best interests in mind when negotiating with the insurance company.

At Property Damage Adjuster, we work exclusively with licensed public adjusters who have the knowledge and experience to maximize your claim payment. Our adjusters work tirelessly to ensure that you receive the compensation you deserve, and we are confident that we can save you time and money in the claims process.

Choose Property Damage Adjuster Today

If you are experiencing water damage, fire damage, or theft, call Property Damage Adjuster today at (909) 285-2254 for a free consultation. Our network of licensed public adjusters is ready to fight for your rights and maximize your insurance claim payment. Don't wait - contact us today and let us help you get the compensation you deserve!

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