What is the primary function of a public adjuster?

The primary function of a public adjuster is to represent policyholders in insurance claims. Public adjusters are professionals who work on behalf of the insured to ensure that they receive a fair settlement for their claims from their insurance company. Unlike insurance adjusters, who are employed by insurance companies, public adjusters advocate for the interests of the insured party. By carefully assessing damages and negotiating with insurers, public adjusters help policyholders navigate the often complex claims process, ensuring that they receive the compensation they are entitled to according to their insurance policy.

The role of a public adjuster is crucial, as they understand the nuances of different insurance coverages and can provide valuable guidance to policyholders who may not have the expertise or resources to handle the claims process on their own. This advocacy helps ensure that policyholders are treated fairly and helps to level the playing field against larger insurance companies.

Other roles mentioned in the choices, such as assisting insurance companies in claim settlements, selling insurance policies, or investigating insurance fraud, do not align with the primary function of a public adjuster, as these activities are focused on different aspects of the insurance industry or represent the interests of different parties.