What is a characteristic of an independent adjuster?

An independent adjuster is characterized by their ability to work for multiple insurance companies and claimants simultaneously. This flexibility allows them to handle a diverse range of claims across various insurers, providing services such as evaluating losses, investigating claims, and determining settlement amounts. This role contrasts with other types of adjusters, such as staff adjusters, who are typically employed by a single insurance company and represent that company's interests.

The independence of these adjusters also means they can assist insurance clients who require support on multiple claims or need assistance during busy periods, making them a vital resource in the insurance industry. By being able to operate for various clients, they can bring a broader perspective and expertise to each claim they handle, benefiting the overall claims process.

In terms of regulation, independent adjusters are indeed subject to state laws; however, they also adhere to specific licensing requirements of the states in which they operate, ensuring they maintain professional standards and ethics across their work.