Which type of adjuster requires an additional license to operate?

A Public Adjuster is the correct choice because this type of adjuster represents the policyholder, rather than the insurance company. Public Adjusters work on behalf of the insured to negotiate and settle claims with the insurance provider. Due to their role in advocating for the policyholder’s interests and the potential for conflicts of interest, many states require Public Adjusters to hold a specific license. This licensing ensures that they meet certain educational and ethical standards before practicing, which is crucial in protecting policyholders’ rights.

In contrast, Independent Adjusters typically handle claims for multiple insurance companies but do not need a specific license beyond what is required for adjusters in general. Staff Adjusters, who are employed by the insurance company, do not need an additional license apart from the standard adjuster licensing. Company Adjusters work directly for the insurer and, similarly, do not require any additional qualifications beyond their initial licensing.