What is the difference between an insurance adjuster and an insurance investigator?

An insurance adjuster and an insurance investigator both play an essential role in the insurance process. However, their jobs are distinctly different. An insurance adjuster is responsible for evaluating insurance claims and determining whether the individual is entitled to any benefits for the incident. They review the claimant’s available evidence, inspect the property damage, interview the claimant, and review applicable laws. An adjuster will then come up with an estimate for the cost of repairing the property. On the other hand, insurance investigators work to gather evidence to verify the accuracy of an insurance claim. They often investigate suspicious claims and attempt to uncover fraudulent activity. Insurance investigators may interview witnesses, inspect the scene of the incident, and review law enforcement records. They also review an individual’s insurance records and credit history to determine if everything is in order. In Florida, insurance adjusters and insurance investigators must be licensed by the Department of Financial Services. To become a licensed adjuster, individuals must pass a written examination, complete a pre-licensing course, and show proof of at least 18 months of experience in the insurance industry. To become an insurance investigator, individuals must undergo a background check and complete a training course.

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What is the difference between an insurance adjuster and an insurance investigator?

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