What is an Insurance Adjuster?

An Insurance Adjuster is a professional who helps assess the damages and resulting payments associated with insurance claims. There are three kinds of adjusters: 1) public; 2) independent; and 3) company, or staff adjusters. Public adjusters represent the insured, while independent and staff adjusters represent the insurer. 

Insurance companies hire adjusters to inspect, evaluate, and talk to people involved in an accident or natural disaster. The adjuster then determines how much money the insurer should pay out on the claim. Nearly all states require that insurance adjusters have a license before they can begin working. In most cases, this involves taking and passing an exam. Continuing Education requirements related to latest regulations, laws and best practices may also be required.