What type of worker is an independent adjuster compared to a staff adjuster?

An independent adjuster is defined as a professional who works on a contract basis for multiple insurers, providing adjustment services for various claims instead of being tied to one specific company. This flexibility allows independent adjusters to serve different clients, accommodating situations such as property damage assessments or liability claims across different insurance providers. Their role is essential in the insurance industry, particularly during times of increased claims volume, such as after natural disasters, where they can be called upon to assist any insurer in need.

In contrast to independent adjusters, staff adjusters are typically employed directly by a single insurance company, managing claims exclusively for that organization. The independence of the former equips them with a broader experience and adaptability, whereas the latter focuses on the specific claims process and policies of one insurer.

This distinction illustrates the operational framework within which each type of adjuster functions, highlighting the independent adjuster's ability to work across a spectrum of insurers, thus enhancing their value in the claims handling landscape.