What is the role of an Independent Adjuster?

An Independent Adjuster serves as a claims representative who is hired temporarily by insurance companies to assess and manage claims, usually when there is a surge in claims or to provide expertise that the company may not have in-house. This role typically involves evaluating the damages, inspecting properties, conducting interviews with claimants, and determining the extent of the insurance company's liability.

The function of an Independent Adjuster is critical for ensuring that claims are processed efficiently and fairly, particularly in times of high demand or for specialized claims. Unlike a permanent employee of the insurance company, an Independent Adjuster operates as an external party, providing an impartial assessment that helps maintain fairness in the claims process.

This position is distinct from other roles such as a policyholder's personal representative, who advocates specifically for the interests of the insured, or an attorney specializing in insurance claims, whose primary function is to provide legal representation.