What is essential when defining the duties of an independent insurance adjuster?

When defining the duties of an independent insurance adjuster, it is essential that they represent the insurer only. This means that the primary responsibility of an independent adjuster is to act on behalf of the insurance company, ensuring that claims are assessed, managed, and resolved in a manner that aligns with the insurer's interests and guidelines. This duty involves evaluating claims thoroughly and ensuring that the outcomes are fair and consistent with the insurer’s policies.

The role of an independent adjuster is built on the relationship with the insurer, where they are expected to adhere to the company's procedures and requirements. Their objective is to support the insurer in managing risk through the effective handling of claims while maintaining a level of professionalism and impartiality.

While the ability to work for multiple insurers and the independent handling of claims are relevant aspects of the adjuster's role, they are secondary to the fundamental principle of representing the insurer's interests. Documentation of insured claims is crucial for the claims process, but the core duty revolves around being the representative of the insurer, ensuring that all actions taken are in full alignment with the company's policies and objectives.