Which statement is true regarding public and independent adjusters?

A public adjuster represents the insured, which is the correct statement regarding the roles of public and independent adjusters. Public adjusters are licensed professionals who advocate for policyholders during the claims process, working on behalf of the insured to negotiate settlements with insurance companies. Their primary duty is to ensure that the insured receives the full benefits they are entitled to under their policy language.

In contrast, an independent adjuster typically works on behalf of insurance companies, assessing and investigating claims but not exclusively representing the interests of the insured. This distinction highlights their role in the claims process and underlines the importance of public adjusters in protecting the rights of policyholders.

The other statements do not accurately reflect the roles or requirements of adjusters. An independent adjuster does not exclusively work for one company; they may be contracted by multiple insurers. Additionally, independent adjusters do not exclusively represent insured parties, as their allegiance is primarily to the insurance companies that hire them. Finally, all adjusters are required to obtain appropriate licenses to operate legally in their respective states.