If you’ve ever filed a claim, you’ve likely dealt with an insurance adjuster. But what is an adjuster, and what exactly do they do?
An adjuster is typically a representative of the insurance company. When you experience a loss—like a car accident, house fire, or storm damage—they are the ones who come out, assess the situation, and help determine how much you’ll be paid.
What Does an Insurance Adjuster Do?
In simple terms, an adjuster investigates your claim to decide how much coverage you’re eligible for based on your policy. Their duties may include:
- Inspecting property damage
- Taking photos and measurements
- Interviewing witnesses or involved parties
- Reviewing your insurance policy
- Estimating repair or replacement costs
- Submitting reports to the insurance company
Different Types of Adjusters
There are three main types:
- Staff Adjuster: Works directly for the insurance company.
- Independent Adjuster: Hired by the insurer but operates as a contractor.
- Public Adjuster: Hired by you, the policyholder, to represent your best interest during a claim.
Most people in Nebraska will deal with staff or independent adjusters when filing claims for auto, home, or farm insurance.
Learn more from this helpful Progressive article on insurance adjusters.
Need Help With a Claim in Nebraska?
If you’re unsure how to handle a claim or don’t feel confident in the process, having someone local in your corner can make all the difference.
Talk to Ritch Nelson at New Frontier Insurance Agency for guidance before, during, or after a claim.