Insurance Adjuster
An insurance adjuster is the person who investigates a filed claim, determines how much the loss is worth, and decides how much the insurance company will pay under the policy's terms. The Allen Thomas Group helps clients understand who they're dealing with during a claim, since not every adjuster works for the same side.
Types of Adjusters
| Type | Who They Work For |
|---|---|
| Staff adjuster | Employed directly by the insurance company |
| Independent adjuster | Contracted by the insurer on a per-claim basis, often during high claim volume |
| Public adjuster | Hired by the policyholder to negotiate the claim on their behalf, for a fee |
What an Adjuster Actually Does
- Inspects the damage or loss in person or through documentation
- Reviews the policy to confirm what's covered and what's excluded
- Estimates repair or replacement costs
- Recommends or approves a settlement amount
Why Understanding This Matters During a Claim
A staff or independent adjuster works for the insurance company, not the policyholder, meaning their job is to verify the claim accurately, not to advocate for the largest possible payout. Business owners with a large or disputed loss sometimes hire a public adjuster specifically because that professional represents the policyholder's side of the negotiation instead.
How The Allen Thomas Group Can Help You
We'll help you understand exactly how insurance adjuster affects your coverage and cost, then shop your policy across 15+ A-rated carriers to find the right fit.
Get a Precise Quote