Are You Looking for a Licensed Insurance Adjuster?

Claims adjusters investigate insurance claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the company's liability.

Claims adjusters have the knowledge to complete the preparation of a property damage claim which, to an unrepresented homeowner, may be unfamiliar territory. The documents contain technical terms such as depreciation, replacement costs, and actual cash value, that may be unknown to the policyholder, and a trained claims adjuster can ensure a correct completion.

Adjusters may handle "property claims" involving damage to buildings and structures, or "liability claims" involving personal injuries or third-person property damage from liability situations, such as motor vehicle accidents, slip and falls, dog bites, or alleged negligent behavior. Some adjusters handle both types of claims and are known as "Multi-Line" adjusters. Also "All Lines Adjusters" may handle "any" type of claim already identified and also include Professional Liability, Hospital Professional Liability, Excess Liability, Physicians and Surgeons Liability, Aircraft Liability/Hull, Inland Marine, Ocean Marine, Boiler and Machinery, as well as various types of Bond Losses.

Public adjusters work exclusively for the policyholder. This means there should be no inherent conflict of interest when it comes to advocating on the policyholders behalf to the insurance company.

An independent adjuster could be working for multiple insurance companies or self-insured entities. If licensed by state authority they represent pinnacle of property loss knowledge in their field; whether it be residential, vehicular, marine, etc.

An adjuster will frequently verify that coverage applies through an insurance policy, investigate liability for the damages caused, and make compensation to the injured person based on their emotional or physical property damages.

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Specific duties include:

  • Notifying the insurer of a covered loss as defined under the policy of insurance
  • Responding to claims in a timely manner
  • Filing paperwork
  • Communicating with policy holders
  • Investigate liability
  • Assess damages
  • Research, detail and substantiate each aspect of the claim, including building damage, contents, and extra living expense claims.
  • Prepare a detailed damages report based on monthly updated insurance cost software for the purpose of making an offer of settlement to the insured.
  • If needed for specialty cost coding, negotiate with product/service providers on time and cost of repairs for the purpose of making an offer of settlement to the insured.
  • Ensuring accurate procedures
  • Protect the interest of the insurance company the adjuster represents, when dealing with claimants.
  • Computer Skills with a high degree of proficiency.

Some states now require adjusters disclose to claimants whose interest specifically independent, staff and public adjuster represent, before they proceed with the policyholder.

Always check your local chapter of Licensed Public insurance adjusters, or state agency, in order qualify an adjuster is properly licensed and in good standing. Some of the state chapters are AAPIA and NAPIA. In Florida, the chapter is FAPIA.

IEA conducts certified online classes for people. The Insurance Institute of America also provides training leading to Professional Designations. Some states accept the Associate of Claims designation, and will waive the licensing examination, and grant a license by the State Insurance Commission. Some Insurance Carriers, and Independent Adjusting Companies, provide in house training certified by the State Insurance Commission. The must be pre approved by the Licensing Division. An adjuster license is issued to those that pass the requirements.

Servicing all 50 United States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montan,a Nebraska, Nevada, New, Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming