What is an insurance adjuster?

An insurance adjuster is a person who is hired by an insurance company to evaluate a claim made by an individual or company. This evaluation includes the investigation of the accident or loss, the assessment of the damages and the negotiation of a settlement. In Texas, insurance adjusters are typically appointed by the insurance company and are not employed directly by the policyholder. It is the responsibility of the adjuster to investigate the claim by gathering evidence such as police reports, medical records, and witness statements. Based on this evidence, the adjuster evaluates the losses and determines an appropriate amount that should be paid in settlement of the claim. Other duties of the adjuster include negotiating settlements with claimants and helping prepare documents for court proceedings. Insurance adjusters must be knowledgeable and impartial in their investigations and must be able to explain the claims process and the terms of the insurance policy to the claimant.

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