What Does a Loss Adjuster Do?

Have you heard the term loss adjuster, but are not sure what these professionals actually do? A loss adjuster is a professional who investigates insurance claims on the insurer's behalf. These professionals possess complete skills and knowledge of assessing insurance claims, reviewing and understanding complicated insurance policies, analyzing damages, and more.

Generally, every insurance company hires its own loss adjuster to assess damages and investigate claims. However, as a policyholder, you also have the right to hire your personal loss adjuster or public insurance adjuster (link to Public Insurance Adjuster Benefits page) to aid you in filing your claims. An independent loss adjuster will solely work for you; thus, they will have your best interest in mind.

To learn more about a loss adjuster and how they can help you get the most from your insurance claim, contact the experts at Claims Adjuster today.

Major Duties and Responsibilities of a Loss Adjuster

A Loss Adjuster Visits the Insured Property or Site That Has Been Damaged

One of the biggest responsibilities of a loss adjuster is to visit the insured site or property to assess the damage following a fire, flood, storm, or other catastrophic damage. When you hire your own loss adjuster, they will visit your property and analyze every part of the damage carefully and without any bias.

They Assess and Document All the Damages Carefully

Once a licensed public adjuster (link to What is the Value of a Licensed Public Adjuster? page) arrives at the main site, they will evaluate and record the extent of the damage to your property. A loss adjuster is fully equipped to conduct a thorough inspection, noting down every detail. They analyze everything from structural damage to the loss of personal belongings in the incident.

They will create a complete list of everything affected and even collect photo evidence to ensure the insurance claim is as accurate as possible. Since the loss adjuster will work for you and not for the insurance company, you can rest assured that you will get a fair settlement.

A Loss Adjuster Will Review Your Insurance Policy

Figuring out insurance policies is not easy. They are full of industry jargon, complex intricacies, and more. A loss adjuster can prove to be incredibly helpful in such a scenario. They will go through your policy in detail and explain all the complex details, like coverage limits, exclusions, and deductibles. This goes a long way in helping you get the most from your claims.

A Loss Adjuster Will Also Help You Prepare Your Insurance Claim and Negotiate with the Insurance Company on Your Behalf

A loss adjuster completes all the essential claims-related paperwork, filling out details like estimates, repair costs, professional opinions, deductions, etc. They prepare a perfect and highly convincing claim to send to your insurance company.

Further, they also leverage their negotiation skills to protect your rights and ensure that you are given a reasonable payout that covers your losses.

Contact Claims Adjusters to Hire the Best Loss Adjuster for Your Insurance Claims

At Claims Adjusters, we have an in-house team of highly experienced, licensed, and fully trained loss adjusters who can help you with all kinds of tricky claims. We provide our services throughout Missouri, Illinois, Kansas, Texas, and Florida (as well as several other states). Call us today to learn more about our insurance adjuster services and to request a free consultation and review of your claim!