Which type of claim professional is hired by insureds to handle their claims?

The correct choice is a public adjuster, as these professionals are specifically hired by policyholders (insureds) to assist them with their insurance claims. Unlike company adjusters, who are employees of the insurance company and represent the insurer's interests, public adjusters work on behalf of the policyholder to ensure they receive a fair settlement based on their policy's terms.

Public adjusters are knowledgeable about the claims process and insurance policies. They assess damages, document claims, and negotiate settlements with the insurance companies. This advocacy role makes them particularly valuable for insureds who may not fully understand the intricacies of the claims process or who are seeking to maximize their claim settlement.

In contrast, staff claim handlers and company adjusters represent the interests of the insurance company. Claims analysts typically assist in processing claims but do not represent insured individuals directly. The fundamental distinction lies in the allegiance of the adjuster; public adjusters advocate exclusively for the customer, while others serve the insurer’s interests.