What is an independent adjuster?

An independent adjuster is defined as an individual who operates independently and serves multiple insurance companies rather than being tied to just one. This type of adjuster is typically contracted by insurance companies to evaluate and settle claims when they require additional support, especially during peak times or in areas where they do not have in-house staff available.

Independent adjusters play a crucial role in the claims process, offering flexibility and expertise to various insurers. They are knowledgeable about the claims process and often have experience across a wide range of insurance products, which allows them to handle diverse claims efficiently.

In contrast, an adjuster who works only for one insurance company or is dedicated to personal injury claims would not fall under this independent classification, as their roles are limited in scope. Additionally, an adjuster who works exclusively in-house signifies a dependency on a single insurance company for employment rather than the broader service model an independent adjuster embodies.