What is an insurance claims adjuster?
An insurance claims adjuster investigates and evaluates insurance claims to determine whether they’re valid—and, when applicable, how much the insurer should pay. Adjusters play a critical role in making sure claims are handled fairly, efficiently, and in accordance with the terms of an insured’s policy.
At Sentry, our claims adjusters work closely with policyholders and third-party claimants to help ensure every step of the process is clear and transparent.
What does an insurance adjuster do?
When you file a claim, your adjuster is typically your main point of contact throughout the duration of the claim. Their responsibilities include, but aren’t limited to:
Reviewing your policy details to confirm coverage and limits
Investigating the claim by gathering facts about what happened
Inspecting the damage or loss, either in person or virtually
Interviewing involved parties, including witnesses if needed
Calculating the value of the claim based on policy terms and findings
Negotiating and settling the claim with all parties involved
Their goal is to bring the claim to a fair, efficient resolution while also ensuring adherence to company and industry guidelines and state regulations.
Why claims adjusters are essential to the process
Adjusters play an essential role in making the claims process fair and efficient. They help ensure accurate assessments by thoroughly reviewing the details of each claim, which helps identify errors and reduce misunderstandings. By gathering all necessary information quickly, they help minimize delays to claim resolution.
They also guide policyholders through the process, clarifying coverage and responsibilities along the way.
Different types of insurance claims adjusters
Not all adjusters work the same way. Knowing the difference helps you understand who the adjuster represents and their role in the process. Distinct roles include:
Staff adjusters are employed directly by an insurance company and are responsible for handling claims for the insurer’s customers.
Independent adjusters aren’t employees of the insurance company, but are hired by insurance companies to handle claims on their behalf, often during periods of high claim volume.
Public adjusters are hired by policyholders to represent their interests during the claims process.
Learn more about working with adjusters
Understanding what adjusters do is just the first step. For tips on how to work effectively with your adjuster, read our guide to working with claims adjusters.
You can also visit our Claims Center for tools and resources to help you manage your claims smoothly.
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The trucking industry faces mounting challenges from rising insurance costs driven by legal system abuses and varying state negligence laws. Learn how prompt claims reporting can help protect you and your fleet.
Should I file a claim after an accident?
Even if your insurance policy doesn’t require you to file a claim, it’s generally best to file one—whether you were in a single-vehicle accident or one with another driver.
How to file a third-party claim
A third-party insurance claim is one you file with someone else’s insurance company when you believe you’re entitled to compensation following an accident.