Technical Papers

Public adjusters are licensed professionals who represent policyholders in the preparation, negotiation, and settlement of insurance claims. Unlike staff adjusters or independent adjusters who work on behalf of insurance carriers, public adjusters advocate exclusively for the insured. This paper examines the role of public adjusters, the technical process of claim management, regulatory considerations, ethical obligations, and the impact they have on claim outcomes. It also explores compliance risks, documentation standards, and best practices for operating within evolving state regulations.