An adjuster works for the insurance company. An adjuster may be an employee of the insurance company, an independent contractor or an employee of an adjusting firm contracted by the insurance company. They are licensed by the state to handle insurance claims on behalf of the insurance company. Most insurance companies have training that they offer to insure uniformity in the way they write claims. Adjusters have passed a state approved course and maintain continuing education as required by the state. There is no requirement that an adjuster have any construction knowledge or experience.

A public adjuster is hired by the policyholder, by the person whose name is on the policy. They represent only the policyholder and not the insurance company. Public adjusters have taken and passed a state approved course and must pass a exam in the presence of a state appointed proctor. Public adjuster must maintain continuing education as required by the state.   Public adjuster are not required to have any construction experience or knowledge.

At Clear Loss Consultants we require that our adjusters have extensive construction knowledge and experience. We also require that they exceed the state minimums for continuing education.