Arizona Adjuster Practice Exam

What type of adjuster is hired by an insured to prepare a claim?

1. Public adjuster

2. Independent adjuster

3. Company adjuster

4. Claim agent

The correct answer is: Public adjuster

The correct answer is a public adjuster. A public adjuster is specifically employed by the insured, meaning the policyholder who seeks compensation for their loss. Their role is to evaluate and document the insured's claims, ensuring they are accurately represented and maximized. Public adjusters are particularly valuable as they provide expertise and support to individuals who may not have the knowledge or experience to navigate the claims process on their own. Unlike independent adjusters, who are hired by insurance companies to evaluate claims from their perspective, or company adjusters, who work directly for the insurance carrier, public adjusters represent the interests of the policyholder. Moreover, claim agents typically refer to those who may work on behalf of an insurer or insurance broker, not the policyholder. Therefore, when considering the role and associations of a public adjuster, it becomes clear why this option is the correct choice for the question regarding who is hired by an insured to prepare a claim.