What is an Insurance Adjuster? That depends on what type of insurance adjuster you are looking for. There are many types of adjusters and each will have different state licensing requirements. In Florida you can contact The Department of Financial Services for more information.

  1. Public Insurance Adjuster

A public insurance adjuster sometimes mistakenly called a private adjuster is a professional claims handler claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the settlement. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the policy of insurance to determine coverage’s, and negotiate with the insurance company’s claims handler. A public adjuster is a representative of the policyholder who advises, manages, and submits a claim to the policyholder’s insurance company. If you need the help of a Public Insurance Adjuster you should call Experienced Public Adjusters for a free claim review. (407) 212-8669

2. Independent Adjuster

An independent adjuster is called independent because they may not be employed directly by the insurance company, firm, or agency in question but instead by a third-party who specializes in homeowners or other types of insurance claims. They adjust claims on behalf of the insurance carrier, but not directly as an employee of the insurer. When they are contracted as a third party, the insurer is essentially outsourcing the claim and the adjustment process to a claims-handling company, who then turns it over to one of their adjusters.

3. Desk Insurance Adjusters or a Claim Adusters

Desk adjusters work for the insurance company and play an important role in an insurance organization. They estimate and settle claims such as theft, vandalism, or minor fire and water damage. They usually will send out either a carrier employed field adjuster or an Independent Adjuster to complete an onsite evaluation of the damages. A Field Adjuster or Independent Adjuster will turn their estimate and evaluation in to the Desk Adjuster for review. Usually only a Desk Adjuster or Claims Examiner has control over making a decision on if the insured had the appropriate coverage to pay the claim or if the cause of the loss is valid in order to approve and pay the claim.

4) Field Insurance Adjuster

Field Insurance Adjusters work for insurance companies and examine property damage to determine how much an insurance company should compensate the claimant. The property can be anything from a house to a business.

Field Insurance Adjusters work in the field, visiting the damaged property, and do a thorough job getting background information on the damage. They might look at police reports, talk to witnesses, do research or consult with experts like architects, construction workers to create a better understanding of the claim.

Field Insurance Adjusters look at all the information from photos, video, and audio evidence, interviews and on-site evidence to create a report for claim examiners or desk adjusters.

Most Field Adjusters work for insurance companies, but some can work independently