An independent adjuster usually performs claim adjusting duties for whom?

An independent adjuster typically performs claim adjusting duties for the insurer. This role involves evaluating insurance claims on behalf of the insurance company, assessing the validity of claims, determining the extent of the insurer’s liability, and helping to negotiate settlements. Independent adjusters offer a level of objectivity because they are not directly employed by any one insurance company; instead, they work on behalf of multiple insurers and can access various types of claims.

This relationship allows the insurer to effectively manage their claims process by hiring an expert to conduct investigations and gather information without any conflict of interest that might arise from having in-house adjusters. Their expertise is especially valuable for large or complex claims, and they bring specialized knowledge that benefits the insurer in making informed decisions about claims.