What does an insurer adjuster do?

An insurer adjuster plays a critical role in the claims process by evaluating damages and losses incurred by the insured. Upon receiving a claim, the adjuster investigates the situation, assesses the extent of the damage, and gathers evidence related to the claim. This evaluation helps the adjuster determine how much the insurer should pay under the terms of the insurance policy.

The adjuster's responsibilities not only involve a thorough assessment of the physical damage but also include reviewing policy coverage, gathering statements from the insured and witnesses, and sometimes working with experts such as appraisers or contractors. This comprehensive analysis is essential for ensuring that claims are processed fairly and in accordance with policy limits.

By determining the appropriate compensation amount, the adjuster plays a key role in helping both the insurer manage their financial liability and the insured receive the benefits they need to recover from their loss.