What is an "independent adjuster"?

An independent adjuster refers to a licensed professional who operates as a third-party contractor for insurance companies. This means that they are not directly employed by any single insurance provider; instead, they might take on assignments from various insurers to assess claims. Their role typically involves investigating, evaluating, and settling claims on behalf of the insurance companies that hire them, bringing an unbiased perspective to the claims process.

Being an independent adjuster allows for flexibility and the ability to manage multiple claims from different companies, making them valuable assets in times of high claim volumes or special situations requiring expertise. This role is critical in ensuring that the claims process is handled fairly and efficiently, as independent adjusters provide their services based on their expertise and training.

The other choices describe different roles or configurations that do not fit the definition of an independent adjuster. For instance, in-house adjusters work directly for an insurance company, claims adjusters specializing in legal disputes suggest a specific focus on litigation rather than a broad assessment role, and part-time adjusters imply working for multiple companies without the defined independence that characterizes independent adjusters.