Can a public adjuster negotiate insurance claims on behalf of a client without a specific authorization?

The answer is that a public adjuster must have specific authorization, typically through a signed contract, to negotiate insurance claims on behalf of a client. This requirement is rooted in legal and ethical standards that govern the practice of public adjusting. Public adjusters act as representatives of the policyholder, and without explicit consent, any actions taken could be deemed unauthorized and potentially jeopardize the client's interests or the validity of the claims process.

Having a signed agreement ensures that both the client and the adjuster have a clear understanding of the scope of work, responsibilities, and the terms under which the adjuster is authorized to act. This protects the client and upholds the integrity of the adjusting profession, ensuring that the public adjuster is accountable for their actions and decisions.

While options mentioning negotiation in the best interest of the client, thresholds for claim amounts, or scenarios involving denied claims may seem plausible, they do not adhere to the necessary legal framework in public adjusting. Only with proper authorization can a public adjuster legally advocate for and negotiate the client's insurance claims.