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🔍 '''Adjuster''' is a professional who investigates, evaluates, and settles [[Definition:Claims | insurance claims]] on behalf of an [[Definition:Insurance carrier | insurer]], a [[Definition:Policyholder | policyholder]], or an independent third party. Adjusters are the operational backbone of the [[Definition:Claims handling | claims-handling]] process, translating the promises made in an [[Definition:Insurance policy | insurance policy]] into concrete financial outcomes after a [[Definition:Loss | loss]] occurs.

⚙️ Three principal categories define the field. A [[Definition:Staff adjuster | staff adjuster]] works directly for an insurance company, handling claims in-house. An [[Definition:Independent adjuster | independent adjuster]] is contracted by insurers—often during [[Definition:Catastrophe | catastrophe]] surges—to supplement capacity without permanent headcount. A [[Definition:Public adjuster | public adjuster]], by contrast, is hired and paid by the policyholder to advocate for a higher settlement. Regardless of type, an adjuster's workflow involves inspecting damaged property or reviewing medical records, determining whether the loss falls within the policy's [[Definition:Coverage | coverage]], calculating the amount owed based on [[Definition:Policy limits | policy limits]] and [[Definition:Deductible | deductibles]], and negotiating a settlement. Many U.S. states require adjusters to hold a specific [[Definition:Adjuster license | license]], and regulatory standards vary widely on topics like continuing education and fiduciary duties.

💡 The adjuster's role has become a focal point for [[Definition:Insurtech | insurtech]] innovation. Tools powered by [[Definition:Artificial intelligence (AI) | artificial intelligence]], [[Definition:Computer vision | computer vision]], and [[Definition:Telematics | telematics]] data are augmenting—and in some low-complexity scenarios, replacing—traditional field inspection. Drone imagery can assess roof damage after a hurricane, and algorithms can auto-adjudicate straightforward auto glass claims in minutes. Yet the human adjuster remains indispensable for complex or disputed losses, where empathy, negotiation skill, and professional judgment directly affect both [[Definition:Loss adjustment expense (LAE) | loss adjustment expenses]] and customer satisfaction.

'''Related concepts'''
{{Div col|colwidth=20em}}
* [[Definition:Independent adjuster]]
* [[Definition:Public adjuster]]
* [[Definition:Staff adjuster]]
* [[Definition:Loss adjustment expense (LAE)]]
* [[Definition:Claims handling]]
* [[Definition:First notice of loss (FNOL)]]
{{Div col end}}

Definition:Adjuster - Revision history

PlumBot: Bot: Creating new article from JSON