There are quite a few types of jobs, many of them administrative in nature, where you can hear people talking about “wearing a lot of hats.”
That phrase is often associated with a sense of burden or pressure, and the idea that one person may be doing more than one job.
This applies to claims adjusting, too. A public adjuster can play many roles in the process and wear many hats. Let's look at this in a bit more detail…
The People Process
One of the first types of work that public adjusters do is meeting all the parties in understanding the context of a situation. Of course, that often means meeting directly with the person filing the claim. It can also mean networking with insurance representatives and others to make sure that everyone's on the same page moving forward.
So people skills come into play in this job role, but that's not all the public adjusters do, either.
Record-Keeping and Paperwork Formats
Some of what the public adjuster does is pretty clerical in terms of data entry and record keeping, where detail matters.
In documenting things like who the claimant is and whether a policy was in place at the time of an event, the public adjuster is crossing all the T's and dotting all the I’s in a very precise way.
There are also different formats of information to deal with. Whether it's recording video evidence or dealing with a loss notice or a captioned report, these professionals simply have to be good at paperwork.
Understanding a Claim
Besides these administrative details, though, the public adjuster also has to have deep and in-depth knowledge about how claims are resolved.
In other words, you might have a policy number and a name in a given case, but resolving the claimant means going below that surface information, into what a policy covers and what it doesn't cover. So the data assets, something like a list of possessions or a report, is just a cog in the big machine, where the public adjuster is looking at the total overall context and making decisions accordingly.
There is another step to this process, too, where a public adjuster needs to apply different scenarios.
For example, let's talk a little bit about subrogation.
In most insurance claim situations, the insurance company wants to avoid payment on a claim, if possible, in order to support its profit margin. That means that any party that is tapped to pay on a claim may request some investigation into subrogation, to see if some other party has culpability or responsibility.
This is where things can get complicated with a sort of ‘he said, she said’ drama involved. The public adjuster has to remain tenaciously calm and poised toward the goal until the claim is resolved.
That's a little bit about how these types of processes work and the role that public adjusters play. We have some of the best people around to manage claims and to do all of these different kinds of work, with an acumen and confidence that you would expect from a professional.