What is an independent adjuster?

An independent adjuster is a person who is not employed by an insurance company, but is hired by the insurer to evaluate and settle insurance claims. In California, an independent adjuster is a person who, for compensation, investigates, reports upon, and adjusts claims relating to insurance policies, including evaluating loss or damage, records information, and negotiates settlements with claimants. An independent adjuster may be a business or an individual who is issued a license by the California Department of Insurance. They are responsible for determining the amount of loss or damage, documenting and verifying damage, examining evidence, communicating with all involved parties, maintaining contact with the insurance company, and ensuring a fair and prompt settlement. In other words, an independent adjuster is an essential middleman who works with the insurance company and the claimant to ensure a fair settlement.

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