Adjuster
An adjuster is an insurance professional who investigates and evaluates claims on behalf of the insurer. They inspect damage, review documentation, interview witnesses, and determine how much the insurer should pay for a covered loss.
Definition maintained by the InsurTool Editorial Team. Last reviewed .
Core Takeaways
- An adjuster is an insurance professional who investigates and evaluates claims.
- There are three main types: company adjusters, independent adjusters, and public adjusters.
- Adjusters determine the amount the insurer will pay for covered losses.
- Public adjusters work for you, not the insurance company.
What is an Adjuster?
In plain English: The adjuster is the person who decides how much your insurance company will pay for your claim. They’re like the “detective” of the insurance world.
Types of Adjusters
- Company Adjuster — Works directly for the insurance company
- Independent Adjuster — Contractor hired by the insurance company
- Public Adjuster — Works for the policyholder, not the insurer
What Does an Adjuster Do?
- Inspect damage: Visit the site to assess the extent of damage
- Review documentation: Look at photos, repair estimates, and medical records
- Interview witnesses: Talk to people involved in the incident
- Determine coverage: Check if the loss is covered under the policy
- Calculate payout: Figure out the amount the insurer will pay
- Negotiate settlement: Work with you to reach a fair settlement
Important: I’ve had clients work with public adjusters for large claims, and they can be helpful if you feel the insurance company’s offer is too low. Just keep in mind they typically charge 10-20% of the settlement amount.
Authoritative Sources
For more information on insurance adjusters, visit these trusted resources:
Frequently Asked Questions
Do I have to work with the insurance company’s adjuster?
Yes, you’ll need to work with the insurer’s adjuster to process your claim. However, you can also hire a public adjuster to represent you.
How long does it take for an adjuster to evaluate a claim?
The time varies depending on the complexity of the claim. Simple claims may be resolved in a few days, while complex claims can take weeks or months.
What should I do when the adjuster comes?
Be prepared with photos, receipts, and any other documentation. Be honest and cooperative, but don’t sign anything without reading it carefully.
Can I dispute the adjuster’s decision?
Yes, if you disagree with the adjuster’s decision, you can appeal to the insurance company or hire a public adjuster to help negotiate a better settlement.
About this definition
Written and checked against the primary sources linked on this page by the InsurTool Editorial Team. Definitions describe how these terms are used in the United States; policy wording differs between insurers, and state law changes the meaning of some terms. Your own policy document is the authority for your coverage.
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