Houston Texas Independent, Private and Public Insurance Adjusters: What’s the Difference?

After Hurricane Ike, homeowners in the Galveston and Houston, Texas areas are trying to understand who can help them with their denied or underpaid property insurance claims. In particular, what are the different types of Insurance Adjusters?

First, let’s name the different types of Texas Insurance Adjusters:

• Independent Insurance Adjusters
• Private Insurance Adjusters
• Public Insurance Adjusters

Many people confuse Independent Adjusters OR Private Adjusters with Public Insurance Adjusters. What is often misunderstood is that both “Independent” and “Private” Insurance Adjusters work for insurance companies.

Independent Insurance Adjusters work on a freelance basis as contractors for insurance companies. They are hired by insurance companies to conduct on-site and office insurance adjusting work, and are usually hired after natural disasters such as hurricanes, tornadoes and fires. They obtain a license to practice in the State where they are working. An independent adjuster must have a license for the state where he or she is working.

A Private Insurance Adjuster performs just as an Independent Insurance Adjuster and actually works as an agent of an insurance company. There is no license or title called: Private Adjuster. The term is not a legal term, only a description sometimes used by people.

Independent and Private Adjusters only work for Insurance Companies, and NEVER for the Public who buys the insurance policies.

A Public Insurance Adjuster is a legal title, and a license, that allows an adjuster to legally represent policyholders/policy owners in negotiating with their Insurance Company.

Texas Public Insurance Property Adjusters are experts on property loss estimating and valuation, and are very familiar with the local building codes. And, above all, Public Insurance Adjusters like those in Houston and Galveston, Texas, are familiar with the tricks and tactics of large, profit-seeking insurance companies.

Unsettled and/or underpaid Hurricane Ike property claims are a specialty for the Houston and Galveston area Public Adjusters at Unity Adjustments. If you are dissatisfied with your insurance settlement, unsure if it was properly paid or not, and even if you feel that it was paid fully and completely, DO NOT STOP THERE.

Unity Adjustments – Houston Texas Public Insurance Adjusters will meet with you and perform a Free Claim and Settlement evaluation with and for you, at no cost and without any obligation on your part!  There are no downsides to reopening your property loss claims. It is a "Win", "Win", or "Win" situation for you. Call and ask us just why!

You deserve to "Get Fully Paid For ALL You're Owed." Call us today to discuss your Property Loss situation.