Which type of adjuster negotiates on behalf of the insured?

The correct choice is a public adjuster, who serves a specific role in the insurance claims process by representing the policyholder, or insured, during negotiations with the insurance company. Their primary responsibility is to advocate for the insured’s best interests, ensuring that they receive a fair settlement based on the terms of their policy and the damages incurred.

Public adjusters have a deep understanding of insurance policies and claims processes, which allows them to effectively negotiate and maximize the claim amount on behalf of the insured. They work directly with the insured to assess the damages, gather necessary documentation, and prepare the claim, unlike other adjusters who may be aligned with the insurance companies and serve the insurer's interests.

In contrast, independent adjusters are typically hired by insurance companies to evaluate claims and may not advocate for the insured. Insurance agents act more as sales representatives for insurance policies and do not handle claims negotiations in the same manner as public adjusters. Claims managers oversee the claims department and may coordinate the claims process but do not negotiate on behalf of the insured directly.