How to Work with an insurance claims adjuster

The insurance company adjuster's job is to adjust a claim using his company's guidelines. That adjuster decides the coverage, scope, and ultimately the value of the insurance claim. By leaving that discretion to the company's adjuster, the policy holder is doing their family, and their business a great disservice.



Insurance claim adjuster are kind of like police detectives for insurance companies that insure homes and vehicles--also called property and casualty. When a claim is filed, the adjuster takes pictures of the damaged vehicle or home, interviews any witnesses if there are any and speaks with law enforcement or any other professionals that may be able to provide information for the claim. Adjusters also investigate claims relating to business and worker's compensation but are primarily involved with home and auto claims.