What does an independent adjuster do?

An independent adjuster plays a crucial role in the insurance industry by handling claims independent of any specific insurer. This means that they are not tied to a single insurance company and can provide objective assessments of claims for various parties involved. Their main responsibility is to investigate insurance claims, evaluate the damages, and determine the insurance company's liability. This independence allows them to offer unbiased evaluations, which is particularly beneficial in situations where there may be disputes between policyholders and insurance companies.

Independent adjusters often work on behalf of insurance companies on a contract basis, especially during high-claim periods such as natural disasters. They are skilled in negotiation and have a comprehensive understanding of insurance policies and claims processes, aiding in timely and fair claim resolutions.

In contrast to working solely for one insurance company or managing claims exclusively for large corporations, the independent adjuster's flexibility enables them to serve a diverse clientele, including individual policyholders and multiple insurance providers. This adaptability is essential in maintaining the integrity of the claims process. Additionally, overseeing insurance policy creation is outside the scope of an adjuster's responsibilities, as this task typically falls under underwriters and insurance agents.