Which type of adjuster is employed directly by an insurance company?

The type of adjuster employed directly by an insurance company is referred to as a company adjuster. This adjuster works as a full-time employee of the insurance company, handling claims related specifically to the policies issued by that company. Their role involves investigating claims, assessing damages, and determining the company's liability under the relevant policy. Company adjusters have access to the company’s resources and internal procedures, enabling them to make decisions aligned with the insurer's practices and guidelines.

In contrast, independent adjusters are typically contracted to work on claims for multiple insurance companies without being directly employed by any single one. Public adjusters represent the interests of the policyholder rather than the insurance company, advocating for the claimant to ensure they receive a fair settlement. Freelance adjusters operate on an as-needed basis, similar to independent adjusters, and are not tied to any single insurance provider. Understanding the distinctions between these roles is crucial for navigating the claims process effectively.