Who Is Handling Your Claim?

  • Work directly for insurance companies on their behalf
  • Responsible for performing a good faith claims investigation, preparing an estimate using software and writing a report
  • Generally considered to be licensed in their state by their insurance company as long as their employer provides training
  • Independent contractors who work for insurance companies, usually through third party companies known as independent adjusting firms
  • Utilized on a claim by claim or contract basis
  • Own their own equipment such as laptops and digital cameras
  • Pay their own travel and lodging expenses
  • Responsible for getting their own insurance adjuster licenses
  • Hired by some policyholders to work on their behalf in an effort to reach a fair settlement with their insurance company
  • Licensed by the state
  • Responsible for writing an estimate, communicating with the policyholder, and negotiating the best possible settlement with the policyholder’s insurance carrier
  • Paid on a percentage based on the settlement they get for the policyholder
  • Normally provide their own equipment, like a laptop and a digital camera