An independent adjuster a homeowner or property owner hires to represent their interests in an insurance claim, as opposed to the adjuster the insurance carrier sends. On storm and hail claims, a public adjuster’s damage assessment can run higher than the carrier’s initial scope — which is also why some state insurance departments regulate how roofing contractors may solicit or get paid through public-adjuster relationships, since the rules vary and incentive structures can get tangled fast.
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