Which role represents the insured rather than the insurer when negotiating settlements?

The role that represents the insured rather than the insurer when negotiating settlements is the public adjuster. Public adjusters are licensed professionals who advocate for policyholders during the claims process. They assess damage, prepare claims, and negotiate settlements with the insurance company on behalf of the insured, ensuring that the policyholder receives a fair settlement based on their coverage and the extent of their loss.

This role is distinct from that of independent adjusters, who work for the insurance companies to evaluate and settle claims on behalf of the insurer. Consultants typically provide expert advice and analysis on a range of issues but do not specifically negotiate settlements on behalf of the insured. Brokers primarily serve as intermediaries between clients and insurance companies to help clients find and secure appropriate coverage, rather than representing them in settlement negotiations.