What is the primary role of a public adjuster in Missouri?

The primary role of a public adjuster in Missouri is to assist policyholders in the insurance claims process. Public adjusters are professionals who work on behalf of policyholders to evaluate and negotiate their insurance claims. Unlike insurance company adjusters, who represent the interests of the insurer, public adjusters focus solely on ensuring that the policyholder receives a fair settlement based on the terms of their insurance policy.

Public adjusters help clients understand their coverage, document damages, and compile the necessary information to support their claim. Their expertise in navigating the complexities of insurance policies and claims procedures plays a crucial role in maximizing the benefits for policyholders, particularly in situations where claims can be complicated or contested.

The other options focus on roles that do not accurately reflect the public adjuster's purpose. The representation of insurance companies, providing legal advice, or selling insurance policies falls outside the scope of a public adjuster's responsibilities, which are specifically oriented toward defending and advocating for the rights and interests of the insured.