What does an Independent Adjuster do?
Published 3 min read
An independent adjuster is a claims adjuster who is not employed by an insurance company. Instead, they work for themselves and are hired by insurance companies on an as-needed basis.
Independent Adjuster job duties include:
- Investigate insurance claims to determine the extent of the insurer’s liability
- Interview witnesses, claimants and policyholders to collect information
- Examine records and documents to determine coverage and to investigate facts
- Inspect property damage to determine cause and extent of damage
- Evaluate benefits entitled to policyholders
- Negotiate settlements with claimants
- Prepare reports detailing findings and recommendations
- Testify at hearings or trials when required
- Stay abreast of industry changes and developments
Independent Adjuster Job Requirements
An Independent Adjuster is a person who is hired by an insurance company to investigate and settle insurance claims. They are usually self-employed and work on a contract basis. Most states require that Independent Adjusters be licensed, and many companies require that they have experience working in the insurance industry. Some companies also require that Independent Adjusters have completed a certified training program.
Independent Adjuster Skills
- Analytical skills
- Communication skills
- Computer skills
- Detail oriented
- Organizational skills
- Writing skills
- People skills
- Problem solving skills
- Research skills
- Observation skills
- Interviewing skills
Related: Top Independent Adjuster Skills: Definition and Examples
How to become an Independent Adjuster
An independent adjuster is a professional who investigates, evaluates and settles insurance claims on behalf of the insurance company. They are usually hired by insurance companies on an as-needed basis, and work independently from the company’s claims department.
Independent adjusters must have a strong understanding of the insurance claims process, as well as state and federal laws governing insurance claims. They must be able to investigate claims thoroughly and fairly, and negotiate settlements that are in the best interest of the insurance company.
To become an independent adjuster, you will need to obtain a license from your state’s insurance department. Each state has different requirements for licensure, but most require you to pass an exam and background check. Once you are licensed, you can start working with insurance companies as an independent contractor.
If you want to be successful as an independent adjuster, it is important to build a good reputation with the insurance companies you work with. Make sure you are always honest in your dealings with them, and provide quality work in a timely manner. By establishing yourself as a reliable and trustworthy adjuster, you will be more likely to get repeat business from the companies you work with.
Related: Independent Adjuster Resume Example
Related: Independent Adjuster Interview Questions (With Example Answers)