▁determine ▁covered ▁and ▁un cover ed ▁items ▁and ▁to ▁negoti ate ▁with ▁the ▁ins urance ▁Car rier ▁to ▁a ▁final ▁and ▁fair ▁settlement . ▁ ▁A ▁public ▁adjust er ▁is ▁a ▁representative ▁of ▁the ▁policy holder ▁who ▁advis es , ▁man ages , ▁and ▁subm its ▁a ▁claim ▁to ▁the ▁policy holder ' s ▁ins urance ▁company . ▁▁ ▁There ▁are ▁three ▁classes ▁of ▁ins urance ▁claims ▁adjust ers : ▁staff ▁adjust ers ▁( emp loy ed ▁by ▁an ▁ins urance ▁company ▁or ▁self - ins ured ▁entity ), ▁independent ▁adjust ers ▁( in dependent ▁contract ors ▁h ired ▁by ▁the ▁ins urance ▁company ) ▁and ▁public ▁adjust ers ▁( emp loy ed ▁by ▁the ▁policy holder ). ▁" Company " ▁or ▁" in dependent " ▁adjust ers ▁can ▁only ▁leg ally ▁represent ▁the ▁rights ▁of ▁an ▁ins urance ▁company . ▁ ▁Out side ▁the ▁United ▁States ▁adjust ers ▁are ▁commonly ▁called ▁( or ▁translated ▁into ▁English ▁as ) ▁" ins urance ▁loss ▁assess ors " ▁( or ▁simply ▁" loss ▁assess ors ") ▁and ▁staff ▁adjust ers ▁or ▁independent ▁adjust ers ▁are ▁called ▁or ▁translated ▁as ▁" ins urance ▁loss ▁adjust ers " ▁( or ▁simply ▁" loss ▁adjust ers "). ▁However , ▁there ▁is ▁a ▁clear ▁distinction ▁between ▁a ▁loss ▁adjust er , ▁who ▁works ▁on ▁beh alf ▁of ▁an ▁ins urance ▁company , ▁and ▁a ▁loss ▁ass essor ▁who ▁works ▁on ▁beh alf ▁of ▁a ▁policy holder . ▁ ▁Lic ens ing ▁and ▁reg ulation ▁▁ ▁Currently , ▁ 4