A claims Adjuster is one who evaluates insurance claims regarding the loss and or destruction of insured material goods. This can include homes, vehicles, boats, property, jewelry or collections. Insurance Adjusters will investigate the damages, how they occurred and the relative cash value of the property or material good in question.
A Claims Adjuster or Claims Representative is an agent of an insurance company sent out to establish the insurance company's liability and responsibility to a customer when losses occur. They can evaluate property losses in cases such as:
All insurance claims made will at some point be processed through the hands of an Adjuster.
No, not all claims Adjusters are agents of an insurance company. Some Adjusters are considered to be agents of the policy holder. They are referred to as Public Adjusters. They are used to advocate on behalf of the insured client to bring about resolution to the claims. Another category of Adjusters is the Independent Adjuster, who may work for several different insurance companies or policy holders. Independent Adjusters are usually licensed by the state they operate in.
Claims Adjusters duties can be wide ranging. Their ultimate goal is to resolve any disputes when settling property damage claims or personal liability or injury claims. The Adjuster will respond to claims made by filing paperwork to initiate the process. They are in communication with clients and policy holders throughout the process. It is the responsibility of the Adjuster to assess damages by way of researching each part of the claim. They have set guidelines and procedures to follow in order to protect the policy holder, insurance company and the Adjuster as well.