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Insurance adjusters are professionals who evaluate insurance claims to determine the extent of the insurance company's liability. They play a critical role in the claims process by investigating the details of an incident, assessing damages, and helping determine how much the insurance company should pay to the policyholder or claimant.

Types of Insurance Adjusters

1. Staff Adjusters
   • Employed directly by an insurance company.
   • Handle claims filed by the company’s policyholders.
2. Independent Adjusters
   • Work as contractors and are hired by insurance companies on a case-by-case basis.
   • Typically used during large-scale disasters or when extra help is needed.
3. Public Adjusters
   • Hired by policyholders rather than insurance companies.
   • Work to negotiate a fair settlement for the insured, especially if the policyholder feels the offer from the insurance company is insufficient.

Insurance adjusters play a pivotal role in helping individuals and businesses recover after unexpected events by ensuring the claims process is handled professionally and equitably.