companies use adjusters to negotiate settlements of claims for damages by a policyholder. Adjusters fall into three categories: employees of insurance companies, public adjusters, and independent adjusters. adjusters are employed by insurance companies to evaluate losses and settle claims with policyholders. The adjuster represents the insurance company and seeks to minimize damage costs for the company while maintaining a positive relationship with the insured. The adjuster also gathers information from the insured and collects evidence of the loss in case of future legal actionor intervention by an attorney. Another type of adjuster is the public adjuster. Public adjusters are retained by the insured to negotiate with insurance company. Public adjusters work on behalf of the policyholder and seek to maximize the claim payout for the insured. For his or her services, public adjusters normally receive a portion of the claims settlement.The third type of adjuster is the independent adjuster. Independent adjusters are independent contractors and for multiple insurance companies. Their services are retained by insurance companies who do not employ adjusters, do not have adjusters in a particular geographic area, or need additional adjusters for a disaster.