Who represents persons insured under policies covering physical property?

The correct answer is public adjusters. Public adjusters play a critical role in representing policyholders—those insured under property insurance policies—during the claims process. Their primary function is to advocate for the policyholder, assisting them in navigating the complexities of filing a claim and ensuring they receive a fair settlement based on the terms of their insurance policy.

Public adjusters are usually independent professionals, which distinguishes them from other roles in the insurance industry. They work on behalf of the insured, evaluating the damage, preparing claims, and negotiating with the insurance company. This direct representation is particularly valuable when policyholders need expert assistance to ensure their interests are protected.

In contrast, claims adjusters are typically employed by insurance companies to investigate claims and determine the amount the insurer should pay. While they also assess damages and evaluate claims, their allegiance lies with the insurer, not the policyholder. Insurance agents primarily serve as intermediaries who sell insurance policies and may provide some assistance in the claims process, but they do not typically represent policyholders in the same way that public adjusters do. Insurance underwriters assess risks and determine the terms under which insurance will be provided, but they do not engage with policyholders for claims representation.