What is the primary difference between a public adjuster and a staff adjuster?

The primary difference between a public adjuster and a staff adjuster lies in who they represent and their roles within the insurance claims process. A public adjuster advocates for the policyholder, meaning they work on behalf of individuals or businesses to ensure they receive a fair settlement from the insurance company after a loss. They are typically hired by the policyholder to navigate the claims process, assess damages, and negotiate with the insurance company.

On the other hand, a staff adjuster is an employee of an insurance company. Their responsibilities include investigating claims, determining coverage, and settling claims on behalf of the insurer. Staff adjusters are aligned with the interests of the insurance company, which can sometimes create a conflict of interest when it comes to the policyholder's claim.

Thus, the choice that accurately encapsulates this distinction is that a public adjuster represents the policyholder, while a staff adjuster works for the insurance company. This understanding is fundamental for anyone preparing for the Indiana Adjuster's License Practice Exam, as it highlights the varying roles and responsibilities within the claims adjustment process.