When might an adjuster primarily work with an independent adjuster?

An adjuster primarily collaborates with an independent adjuster during periods of high claim volumes. This situation often arises after significant events such as natural disasters, where the number of claims submitted may exceed the capacity of the company's staff adjusters. In these cases, independent adjusters can be brought in to manage the influx, ensuring efficient processing of claims and timely service to policyholders.

Independent adjusters are typically hired on a temporary basis to handle overflow work, allowing the primary adjusters to focus on more complex claims or manage their existing caseloads. This partnership is vital in maintaining service levels during demanding situations and ensures that claims are handled fairly and swiftly.

The other situations mentioned do not involve regular collaboration with independent adjusters in the same capacity. For example, policy sales and investigating fraud cases are typically handled by different specialists within the insurance industry, and life insurance claims follow a different process, often requiring expertise unique to that line of insurance.