Know the Difference: Who to Call When You Need Help!

If your home or business has recently suffered damage, understanding the insurance claims process is crucial. While insurance companies often present themselves as advocates for policyholders, their primary goal is to protect their bottom line. As a policyholder, it’s up to you to find a professional who will truly represent your interests and help restore your property.

When seeking assistance with your insurance claim, it’s important to know the difference between a public adjuster and an independent adjuster—two roles that may seem similar but serve very different purposes.

At first glance, an independent adjuster might appear to be a suitable choice. However, independent adjusters are contractors hired by insurance companies to represent their interests—not yours. Their primary responsibility is to protect the rights and assets of the insurance carrier.

In contrast, a public adjuster works exclusively for you, the policyholder. Paid by policyholders, public adjusters ensure your rights are upheld and your property is fully restored. From filing a claim and documenting losses to negotiating settlements, public adjusters handle every step of the claims process to secure the best possible outcome for you.

The key advantage of hiring a public adjuster is their unwavering commitment to your interests. They ensure your claim is managed efficiently, fairly, and with your best outcome in mind—something independent adjusters, who prioritize the insurer’s interests, simply cannot offer.

At Twin City Public Adjusters, we are proud to be one of Minnesota’s leading public adjusting services. Specializing in both residential and commercial property losses, we assist policyholders throughout Minnesota in navigating the claims process. Whether your property has been damaged by storms, fires, vandalism, or other incidents, our experienced public adjusters are here to guide you every step of the way.