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Definition
A claims adjuster is the insurance professional who investigates a claim, assesses the damage, determines what your policy covers, and sets the payout amount. Adjusters review documentation, inspect property, interview involved parties, and apply the terms of your policy to reach a settlement figure. They come in three main types: a staff adjuster employed directly by the insurer, an independent adjuster hired on contract by the insurer, and a public adjuster who works for you, the policyholder, rather than the insurance company. Because staff and independent adjusters represent the insurer's interests, their assessment may differ from what you believe your loss is worth. A public adjuster, by contrast, advocates on your behalf, typically for a fee. Understanding which type you're dealing with helps you know whose interests are being served during the claims process.
Also Known As
Insurance Adjuster
Loss Adjuster
Staff Adjuster
Public Adjuster
Used in Context
- After a kitchen fire, the staff claims adjuster inspected the damage and determined the payout based on your homeowners policy limits.
- Unhappy with the insurer's offer, the homeowner hired a public claims adjuster to advocate for a larger settlement.
- A homeowner who submitted a roof-damage request through Dreamy Leads later worked with an independent claims adjuster assigned by the carrier.
What does a claims adjuster actually do?
A claims adjuster investigates your claim, assesses the damage, determines what your policy covers, and sets the payout amount. They review documentation, inspect property, and apply your policy terms to reach a settlement. The adjuster's findings directly shape how much you're paid.
What's the difference between a public and staff adjuster?
A staff adjuster is employed directly by the insurance company and represents its interests. A public adjuster works for you, the policyholder, and advocates on your behalf. An independent adjuster is contracted by the insurer. Knowing whose side an adjuster is on matters during your claim.
Should I hire my own claims adjuster?
You can hire a public adjuster, who works for you rather than the insurance company, typically for a fee. This may help if you disagree with the insurer's assessment of your loss. Whether it's worth it depends on the size and complexity of your claim and the gap in valuation.
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