What is an insurance adjuster, and what is a claim adjuster?

Not sure what an insurance adjuster is? How about a claims adjuster? No problem, we can explain it to you. An insurance adjuster, also known as a claims adjuster, determines how much your insurance company should pay you if you make a claim. Insurance claim adjusters can either be in-house reps or independent people hired by you, the insurer. They investigate issues like bodily injury, medical bills, and property damage.

Insurance adjusters help figure out a fair settlement, by:

Speaking directly to you

Taking a look at the damages

Speaking to witnesses, if there are any

Reading official reports

And more!

How insurance adjusters deal with claims

Looking more in-depth, an insurance claim adjuster starts out by preparing a claim file, just like a lawyer would prepare a case file for trial. They plan to present this claim file to the insurance company and the party that is insured. Insurance claims adjusters include photographs and statements from people directly involved in the claim, along with testimonies from the relevant parties that were involved. Then, the claims adjusters will attach their personal recommendations on how much the insurer should pay.

Just for example purposes, let’s say your dog bit someone and they leave with the medical bill for you to pay. Before your insurer agrees to help pay, they may send over a claims adjuster to take pictures of your place, talk to you, talk to the other party involved, speak to witnesses, consult with your dog’s vet, and maybe even speak with an independent dog trainer. These are all steps that need to be done in order to assess the amount of money to pay and the legitimacy of the case.

Example of how insurance adjusters handle claims

Let’s say your neighbor’s tree fell into your yard, damaging your fence and roof at the same time. Who’s going to pay? And how much? It isn’t up to you or your insurance, but it’s something the insurance claims adjuster will decide. The insurance adjuster will come to where the event took place to take pictures, assess the damage, speak with you, speak with your neighbor, may also interview witnesses, and consult with fencing and roofing experts. They’ll wrap all of this up into a report with a monetary recommendation of how much your insurance should pay.

Still not sure how and what an insurance claims adjuster is? Don’t worry, the professionals at Claims XP have the experience and talent to guide you through any claim or to simply educate you more on how they can benefit your life. For more information, visit our website at www.claimsxp.com or call us directly at (800) 414-1974 and we will be able to help you.