What Do Insurance Adjusters Do: Top 3 Critical Insights

Understanding What Do Insurance Adjusters Do

What do insurance adjusters do? They investigate insurance claims to decide whether the insurance company must pay, and if so, how much.

Here’s the quick breakdown:

1. Investigate Claims – They gather evidence like photos, witness statements, and police reports.
2. Evaluate Damages – Adjusters inspect damaged property to assess losses.
3. Determine Payouts – They calculate claim amounts based on your insurance policy, considering deductibles and coverage limits.
4. Negotiate Settlements – Adjusters work with you or your representative to settle claims fairly.

Insurance adjusters play a crucial role when things go wrong. After disasters like floods, fires, or storms, they’re the first responders—the people who assess the damage and help policyholders get back on their feet. Yet, despite their importance, many homeowners and business owners find their role confusing or even intimidating.

As expert advocates at Global Public Adjusters, Inc., our goal is to simplify this complexity, making sure you know exactly what adjusters do and how they impact your claim.

Below is a clear infographic to visually summarize what insurance adjusters do:

What Do Insurance Adjusters Do?

Insurance adjusters are the experts who step in after you’ve experienced property damage or loss, bridging the gap between disaster and financial recovery. But let’s get real—most people aren’t exactly sure what do insurance adjusters do, even though their role is critical in helping you get back on your feet.

When you file a claim, your insurer assigns an adjuster to carefully look into your situation. As the Bureau of Labor Statistics explains, “Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether the insurance company must pay a claim and if so, how much.”

Mark Snyder, a seasoned claims expert, simplifies it nicely: “Adjusters are initially charged with investigating the cause of the loss that generated the insurance claim, and documenting and quantifying the resulting damages.”

But that’s just the start. Adjusters also review your insurance policy to see what’s covered, carefully analyze the extent of damages, and calculate the appropriate settlement amount. They negotiate with contractors, medical professionals, or other involved parties and ultimately advise the insurer on whether to approve or deny the claim. Adjusters also take the time to clearly explain the claims process and settlement decisions to policyholders, helping you understand exactly what’s going on.

The Core Responsibilities of an Insurance Adjuster

If you’ve ever wondered what do insurance adjusters do day-to-day, let’s break it down into simple pieces.

Insurance adjusters begin with meticulous claim investigation. They gather evidence like police reports, witness statements, photographs, videos, and more. Think of them as insurance detectives, piecing together what happened and why.

Next comes the damage assessment, possibly the most visible part of their job. They usually visit the site in person, inspecting the damage closely, taking detailed notes, measurements, and plenty of photographs. This careful documentation helps ensure a fair and accurate settlement.

To successfully handle your claim, adjusters must also perform a thorough policy review. Insurance policies are full of specific terms, conditions, exclusions, and coverage limits. Adjusters must completely understand what’s included and what’s not, helping to avoid confusion or frustration down the line.

Finally, there’s the all-important settlement determination. After investigating, assessing damages, and reviewing your policy, adjusters calculate how much money the insurance company owes for your claim. Then, they negotiate settlements, aiming for an amount that’s fair to all parties involved.

Sandra Lagmay, an experienced claims adjuster, humorously points out, “Just because the claim has been reported, it doesn’t mean we have all the information we need.” Her perspective highlights just how investigative and detail-oriented the role is—adjusters often have to ask numerous questions, dig deep for details, and stay persistent until they’re satisfied they’ve got the full picture.

At Global Public Adjusters, Inc., we know that the claims process can be overwhelming for homeowners and business owners alike. Understanding exactly what insurance adjusters do makes the entire experience clearer and less stressful from start to finish.

Types of Insurance Adjusters

Insurance adjusters come in different flavors—think vanilla, chocolate, and strawberry. Each has a unique role, different loyalties, and specific skills. When dealing with an insurance claim, knowing which type of adjuster you’re working with can make the process a whole lot easier.

Let’s clear up who’s who in the adjusting world.

Company or Staff Adjusters

Company adjusters (also called staff adjusters) are full-time employees who work directly for insurance companies. In other words, their paycheck comes straight from the insurer.

These adjusters typically handle claims exclusively for the insurance company that employs them. They’re trained to follow specific company procedures, often work regular business hours, and are responsible for safeguarding the company’s financial interests.

Industry expert Kenny Taylor puts it simply: “Both independent and staff adjusters are responsible for making sure that every penny paid out is earned under the terms of the insurance policy.” Translation—staff adjusters represent the insurance company’s interests, not necessarily the policyholder’s.

Independent Adjusters

Unlike staff adjusters, independent adjusters are freelancers or contractors who work with multiple insurance companies. Think of them as the “free agents” of the insurance world.

Independent adjusters are often brought in when insurers are overwhelmed—such as after hurricanes, floods, or wildfires. That’s why they’re sometimes called “catastrophe adjusters.” During these disaster situations, independent adjusters travel widely to assess large numbers of claims quickly.

Their schedules can be unpredictable, swinging from super busy after major events to quieter stretches in calmer times. Independent adjusters are usually paid per claim or by the hour, juggling assignments from one or several insurers at a time. Like staff adjusters, their primary responsibility is to represent the insurers’ interests, evaluating damages and recommending settlement amounts that comply with your policy terms.

Public Adjusters

Now, here’s where it gets interesting (and not just because we’re talking about ourselves). Public adjusters are the only adjusters who don’t work for insurance companies—instead, we work exclusively for you, the policyholder.

Public adjusters are your personal advocates, helping you steer the claims process to secure the best possible settlement under your policy. Kenny Taylor explains it well: “Public adjusters advocate for the claimant, optimizing recovery to ensure they receive exactly what they are entitled to within their policy.”

Public adjusters usually work on a contingency basis, charging a percentage (typically 10–20%) of the final settlement amount. We’re especially helpful in complex claims, high-value damages, or cases where the insurance company’s offer seems unfairly low.

At Global Public Adjusters, Inc., we’re proud to serve homeowners and business owners throughout Florida—from Orlando to Pensacola and everywhere in between. Our mission is simple: to ensure you receive the maximum settlement you’re entitled to under your insurance policy.

Want to learn more about how public adjusters can help you? Check out our detailed guide here: Public Insurance Adjusters: What They Do

How Insurance Adjusters Investigate Claims

When it comes to understanding what do insurance adjusters do, the heart of their work truly lies in the investigation process. Think of it as a detective’s job—but instead of solving crimes, adjusters piece together the story behind your claim. They dig into the details, examine evidence, and gather all necessary information to decide on the right settlement.

Let’s pull back the curtain and take a closer look at what happens during a claim investigation.

Gathering Evidence

Every solid investigation starts with evidence gathering. Adjusters know that the more thorough they are during this initial step, the smoother and fairer the claims process will be. But what exactly are they looking for?

First, they’ll document the damage carefully with photographs and videos. These visuals capture the extent of your loss, showing exactly what’s affected and how severe it is. When it comes to insurance claims, a picture really can be worth a thousand words—or dollars!

Next, an adjuster might talk to people who witnessed the incident. Witness statements help clarify confusing situations and establish the facts. If police were involved—say, after a break-in or an accident—the adjuster will review the official police reports for additional details.

For more complicated claims, adjusters sometimes call on experts. These can include contractors, engineers, or medical professionals who provide valuable expert opinions about repairs, structural issues, or injuries.

Repair costs can vary significantly, so adjusters will usually gather multiple repair estimates. This helps them determine a fair payout amount based on the actual costs to restore your property.

Finally, the adjuster will want to hear directly from you—the policyholder. They’ll conduct claimant interviews, asking about what happened, when it occurred, and any other relevant details. So, don’t be surprised if they have questions—lots of questions!

As claims adjuster Sandra Lagmay describes her day: “I start my day by clearing my inboxes—reviewing voicemails and emails to assess new and pending claims.” For adjusters, each day brings new puzzles to solve, evidence to collect, and patterns to uncover.

Evaluating Coverage and Liability

Once adjusters have collected all the necessary evidence, their next step involves analyzing it carefully in relation to your insurance policy. After all, even the most well-documented claim won’t result in payout unless the policy conditions are met.

Adjusters will first conduct a thorough coverage verification. They’ll review your policy to confirm that your loss is indeed covered, checking closely for exclusions—situations not covered by your policy. That’s why it pays to know your policy well (or have someone like a public adjuster on your side!).

They also look closely at liability assessment—that is, determining who’s responsible for the incident. This is especially relevant when claims involve accidents, injuries, or property damage caused by someone else.

Additionally, adjusters consider your policy’s limits and deductibles during this evaluation. They’ll calculate your payment by subtracting your deductible and making sure your total payout doesn’t exceed the policy’s maximum limits.

Lastly, adjusters consider any pre-existing conditions that might have contributed to the damage. If your roof already had significant wear and tear before the storm, the insurance company might adjust the settlement accordingly.

Insurance policies are notoriously complicated documents, and adjusters have to be experts in interpreting them correctly—no small task! That’s exactly why many policyholders turn to professionals like our team at Global Public Adjusters, Inc. We’re here to guide you through this complexity and ensure you’re getting the payout you deserve.

For more helpful tips on preparing for your adjuster’s visit, check out our guide on What Questions Should You Ask Your Public Adjuster?

Steps in the Claims Adjusting Process

When you’ve experienced property damage, understanding the steps involved in the claims adjusting process can make things a whole lot less stressful (and let’s be honest, we could all use a little less stress during emergencies!). Let’s walk through exactly what insurance adjusters do once you file a claim.

The claims process kicks off with the initial claim filing. As soon as you experience a loss, you should contact your insurance company. Typically, you can do this by phone, online, or through your insurance agent—whichever is easiest for you. Don’t wait too long, though! Reporting promptly helps keep things moving smoothly.

Once you’ve reported the damage, your insurance company will move on to adjuster assignment. They’ll select an adjuster to handle your claim. In cases where a major disaster has occurred (like hurricanes here in Florida), adjusters can be swamped, so assignment might take a bit longer.

Shortly after being assigned, your adjuster will reach out for an initial contact. Usually, this happens within 24-48 hours. They’ll introduce themselves, briefly explain the next steps, and set up a convenient time to visit your property.

Next up is the damage inspection. Your adjuster will visit your home or business in person to assess the damage firsthand. This inspection is crucial, so we strongly recommend that you’re present. Why? It allows you to point out specific damages, answer questions, and make sure nothing gets missed. (Plus, it’s a great opportunity to ask questions and gain peace of mind.)

During their visit and afterward, your adjuster begins evidence collection. They’ll snap plenty of photos and videos, gather witness statements if needed, and collect documents and records that help clarify your loss. At this stage, it helps immensely if you have receipts, invoices, or any other documentation handy to support your claim.

After collecting all the necessary evidence, your adjuster starts the policy review. They’ll carefully read your insurance policy, looking at coverage details, limits, deductibles, and exclusions. This step is crucial in determining what exactly your insurance covers and how coverage applies to your particular situation.

With all the information in hand, your adjuster then moves onto the settlement calculation phase. They’ll crunch the numbers based on the damages observed, using repair estimates, industry-standard software, and expert opinions if needed. They’ll arrive at a fair settlement amount according to your policy terms.

When they’re ready, you’ll receive the settlement offer. This usually comes as an itemized list clearly stating what damages are covered and how much the insurer proposes to pay.

Does the settlement seem too low? Don’t worry—you have the right to negotiate. You can offer additional evidence, get second opinions or estimates, and clearly explain why you believe more coverage is justified. (Tip: this is when having an advocate like a public adjuster can be incredibly helpful!)

Finally, once everyone agrees on the settlement, your claim reaches resolution. The insurance company sends out payment, and you can move forward with repairs and recovery.

Here’s a handy infographic to visually summarize the claims adjusting process:

Mark Snyder, a claims expert, reminds us of an essential truth: “Remember—the purpose of insurance is to make you whole after a loss, not to make you financially better off.” This fundamental principle of indemnification guides every step of the claims process.

At Global Public Adjusters, Inc., we understand the stress and confusion that often come with insurance claims. Our job as your advocate is to ensure this process goes smoothly and that you receive every dollar you’re entitled to under your policy. If you’re ever unsure of what to ask your adjuster during this process, check out our helpful guide: What Questions Should You Ask Your Public Adjuster?

How Do Insurance Adjusters Determine Claim Payouts?

When figuring out what do insurance adjusters do, one of the most critical jobs is deciding exactly how much money you’ll receive for your claim. This isn’t just a quick glance and a guess—it’s a careful, step-by-step process to ensure the payout is fair and aligns with your insurance policy.

Let’s explore how this works, without the complicated jargon (promise!).

Damage Valuation

Insurance adjusters have three common methods they use to put a dollar value on your damages:

Actual Cash Value (ACV) is basically the cost to replace your damaged property, minus depreciation. Think of depreciation as wear and tear over time. For example, if you have a five-year-old roof that gets damaged in a storm, the adjuster won’t pay you the full cost of a brand-new roof. Instead, they’ll subtract a bit for its age and condition. So instead of full cost, you might get a check that’s a little less—but that’s what your basic policy covers.

Replacement Cost Value (RCV) is a bit more generous. This method doesn’t factor in depreciation. It covers the full price you’d pay today to replace the damaged item with something brand new and similarly valuable. So, if your expensive sofa got ruined, you’d get enough money to buy a new one just like it—even if your beloved couch was a decade old (and starting to show its age).

Functional Replacement Cost comes in handy when an exact replacement isn’t practical. Let’s say your beautiful vintage plaster walls were damaged, and nobody really uses plaster anymore. Instead, you’d get enough money to replace them with drywall, a modern alternative that serves the same purpose.

Here’s a handy table to quickly compare these valuation methods:

Tools and Methods Used

To make sure their calculations are accurate and fair, insurance adjusters don’t just eyeball damages. Instead, they rely on several trusted resources and methods.

A common tool adjusters use is industry-standard software, such as Xactimate. Think of it as the TurboTax of insurance claims. These sophisticated programs provide current, local costs for repairs, including labor and materials. This helps adjusters quickly and accurately price your claim.

Adjusters also frequently collect contractor estimates. They’ll ask professionals to provide quotes for needed repairs, ensuring costs reflect what’s realistic in your area. Plus, adjusters often do their own market research, especially for personal belongings. If your expensive designer couch is toast, the adjuster will compare similar items sold today to accurately gauge its current value.

For more specialized claims—like vehicles or medical treatments—adjusters tap into specialized databases that provide standardized values. And when things get complicated, adjusters aren’t shy about calling in expert help. They may consult engineers, contractors, or even medical professionals to get a clear picture of what it’ll truly cost to make you whole again.

Along with these valuation methods and tools, adjusters must carefully consider other factors like your policy’s deductibles, coverage limits, and any coinsurance clauses or exclusions. After all, insurance policies—even the simpler ones—aren’t exactly beach reads. Adjusters need to fully understand all the fine print to ensure they’re getting your payout just right.

At Global Public Adjusters, Inc., we’ve spent over 50 years helping homeowners and businesses steer this often confusing process, advocating to maximize claim settlements. Understanding what do insurance adjusters do and how they determine claim payouts empowers you to better advocate for yourself—or to know when you might benefit from hiring your own public adjuster.

If you’re ever unsure or unhappy about your claim settlement, it’s always worth exploring your options with a public adjuster. We’re on your side, making sure you get exactly what’s fair and rightfully yours under your policy.

Skills and Qualifications of a Successful Insurance Adjuster

Being an insurance adjuster isn’t just about crunching numbers or snapping pictures of damaged roofs (though that part can be pretty exciting). The role demands a thoughtful combination of analytical thinking, clear communication, and genuine empathy. So, if you’re wondering what do insurance adjusters do that makes them truly successful, let’s explore these essential skills and qualifications.

Analytical Skills

Adjusters are like detectives—they have to dig deep and get to the bottom of things. This means they need strong analytical skills to piece together evidence, interpret complex policies, and determine what caused a loss. They must evaluate claims carefully to determine their validity and potential value. A sharp analytical mind also helps them spot red flags, preventing fraud or misrepresentation.

Communication Skills

A great adjuster isn’t just good with numbers and policies; they’re excellent communicators too. They need to clearly explain complicated policy terms to policyholders in simple, everyday language. Strong communication skills are crucial when conducting interviews, writing detailed and easily understandable reports, negotiating settlements, and coordinating repairs with contractors.

Attention to Detail

Claims adjusting is often a game of inches—and every detail counts. Successful adjusters document every step of a claim carefully, making sure nothing slips through the cracks. They catch inconsistencies or errors early on, ensuring policies are correctly applied and settlements are calculated accurately. Trust us—attention to detail saves a lot of headaches down the road!

Interpersonal Skills

An insurance adjuster’s job often involves supporting people through stressful, sometimes devastating experiences. Top-notch interpersonal skills and genuine empathy go a long way toward building trust and rapport. Adjusters need to remain calm and compassionate, even when dealing with emotional claimants or difficult conversations. In short, being warm, friendly, yet professional is the key to navigating sensitive situations gracefully.

Licensing and Educational Requirements

If you’re thinking about becoming an insurance adjuster, you’ll need to meet certain licensing and educational requirements. Most adjusters have at least a high school diploma, but many employers prefer candidates with associate’s or bachelor’s degrees, particularly in fields like business or finance.

Additionally, adjusters must obtain a state-issued license. Licensing requirements vary by state but usually include completing pre-licensing training, passing a licensing exam, undergoing a background check, and paying a licensing fee. Once licensed, adjusters must also complete continuing education courses every couple of years to maintain their licenses.

Many adjusters further boost their credibility and expertise with specialized certifications. Popular certifications include Certified Property-Casualty Underwriter (CPCU), Associate in Claims (AIC), and Certified Insurance Adjuster (CIA). These credentials can give adjusters a competitive edge and help them provide even better service to policyholders.

Wondering about earning potential? According to the latest available data from the Bureau of Labor Statistics, the median annual wage for claims adjusters, examiners, and investigators stands at around $75,050. While salaries can vary depending on experience, specialization, and whether an adjuster works as a company employee, independent contractor, or public adjuster, this figure remains a solid reference point heading into 2025.

If you’d like to learn more about becoming a claims adjuster, check out this helpful resource from the Bureau of Labor Statistics: Occupational Outlook Handbook: Claims Adjusters, Appraisers, Examiners, and Investigators.

Successful insurance adjusters blend analytical expertise, clear communication, meticulous attention to detail, and genuine compassion. They’re not just assessing damages—they’re helping people get back on their feet. At Global Public Adjusters, Inc., we’re proud to advocate exclusively for our clients, ensuring they receive fair treatment and maximum settlements under their policies.

Challenges Faced by Insurance Adjusters

Understanding what do insurance adjusters do also means recognizing the very real challenges they encounter every day on the job. While adjusters play a crucial role in helping people steer difficult situations, their own work comes with its fair share of stress and complexity.

High Workload and Time Pressure

Imagine juggling several balls at once—now picture that each ball represents a different insurance claim, each at a different stage, requiring your immediate attention. That’s pretty much what adjusters deal with, especially after major disasters like hurricanes, floods, or wildfires. During these stressful times, claim volumes spike dramatically, and adjusters often find themselves working incredibly long hours trying to keep up.

Independent adjusters, in particular, might handle as many as 15-20 claims a day during catastrophic events. This intense workload isn’t just exhausting—it can also impact how quickly and thoroughly each claim is processed. As one seasoned professional puts it, “Being a claims adjuster can be quite stressful due to long hours, especially following major disasters.”

Emotional and Psychological Stress

Insurance adjusters don’t just crunch numbers—they interact face-to-face with people who’ve experienced significant losses. Whether it’s a family who lost everything in a house fire or a business owner facing the aftermath of severe storm damage, adjusters regularly witness the emotional toll disasters take on people’s lives.

Adjusters must remain professional and objective, yet also compassionate and understanding. Balancing these different roles isn’t easy, especially if the claimant is distressed or even angry about their situation. One experienced adjuster shared candidly, “Communicating and negotiating with someone who recently lost all of their possessions can be demanding and difficult.”

Technical Complexity

If you think reading an insurance policy is confusing, try interpreting dozens of policies regularly—each with its own unique terms, limits, and exclusions. Today’s adjusters must be knowledgeable about construction methods, medical terminology, legal principles, and valuation approaches. Staying on top of building codes, repair techniques, treatments, and laws requires ongoing learning and attention to detail.

For example, after a home is damaged, adjusters must accurately estimate repair costs. This means understanding current material prices, labor rates, and even software programs like Xactimate. Miscalculations can lead to disputes down the road, so accuracy is key—making analytical and technical skills essential.

Travel and Unpredictable Schedules

If you enjoy predictable routines and home-cooked meals every night, claims adjusting might not be the ideal job for you. Independent and catastrophe adjusters, especially, often travel extensively to areas hit hardest by disasters. They can spend weeks or even months living out of hotels, working long hours with limited downtime.

This unpredictable lifestyle, while adventurous to some, can quickly become tiring. Adjusters often sacrifice personal and family time, working long days performing inspections, meeting claimants, and processing paperwork.

Overall, insurance adjusters face significant demands, both professionally and personally. Whether they’re working on behalf of insurance companies or advocating for policyholders—as we do at Global Public Adjusters, Inc.—their responsibilities come with many challenges. Recognizing these difficulties helps homeowners and business owners better understand the claims process and build stronger working relationships with adjusters during stressful situations.

Tips for Policyholders When Dealing with Insurance Adjusters

Now that you know what do insurance adjusters do, it’s time to learn how you can best work with them to ensure a smooth claims process. Dealing with adjusters doesn’t have to be intimidating—by following a few practical tips, you’ll become a claims-handling pro in no time.

Effective Communication Strategies

Clear and open communication is your best friend when dealing with insurance adjusters. First, always be honest and straightforward about what happened. Adjusters have seen and heard it all—misrepresentations or hidden details can easily be uncovered and could result in a claim denial.

It’s also helpful to document all your conversations. Keep notes of phone calls, including dates, times, who you spoke with, and key points discussed. Follow up significant conversations with a quick email summarizing your understanding of the discussion. Trust us, your organized self will thank you later!

Never hesitate to ask for clarification. Insurance jargon can feel like a confusing maze, even for seasoned professionals. If something isn’t clear, ask questions. It’s your claim, your property, and your financial future—you deserve complete clarity.

Remember to stay professional and polite. Yes, dealing with damage or loss is stressful. But kindness and patience can help keep conversations productive and cooperative. After all, adjusters are human too!

Lastly, know exactly who your adjuster represents. Company and independent adjusters work for the insurance company—not for you. While they aim to settle claims fairly according to policy terms, their main priority is protecting the insurer’s interests, not maximizing your payout. If you want someone working directly for you, consider hiring a public adjuster like us at Global Public Adjusters, Inc.

Being Prepared for the Adjuster’s Visit

A little preparation goes a long way. Before the adjuster arrives, make sure you’ve thoroughly documented all damages yourself. Take detailed photographs and videos from multiple angles, and don’t move or begin repairs on anything unless necessary for safety reasons.

Next, create a detailed inventory of damaged or lost items. Include item descriptions, approximate ages, replacement costs, and receipts or proof of purchase if you have them. The more detail you provide, the easier it is to accurately value your claim.

Spend some time reviewing your insurance policy beforehand so you’re familiar with what’s covered, excluded, and the deductibles that apply. Understanding your policy terms helps you have a more informed conversation with the adjuster.

When the day arrives, be present during the inspection. You can point out damage the adjuster might overlook and answer questions directly. And don’t forget to jot down notes during the visit—note any specific comments made by the adjuster regarding coverage or next steps.

Want more in-depth tips on how to prepare? Check out this helpful external resource: Don’t Get Burned After A Disaster.

Understanding Your Rights

It’s your claim, and that means you have rights. Most importantly—you have the right to ask questions. If you’re unclear about how the adjuster reached their evaluation, ask for explanations. Knowing the reasoning behind their decisions can empower you to negotiate a fair settlement.

You also have every right to provide additional documentation or evidence if you feel the adjuster missed something important or undervalued your losses. An adjuster’s first settlement offer is frequently not their final one. If you believe the amount is inadequate, you can—and should—negotiate.

If you’re not satisfied, you have the option of getting an independent second opinion. Getting multiple repair estimates or appraisals can strengthen your position during negotiations.

Lastly, if you find yourself consistently struggling to communicate or resolve issues, you can request a different adjuster. Most insurance companies understand the importance of a good working relationship and may accommodate you.

If you’re exploring the possibility of professional help, a public adjuster might be exactly what you need to level the playing field. Check out our guide on What Questions Should You Ask Your Public Adjuster? for more information.

At Global Public Adjusters, Inc., we’re dedicated to clearly explaining what do insurance adjusters do and empowering policyholders throughout the claims process. Your peace of mind—and your wallet—deserve the very best advocacy and support.

How to Prepare for a Meeting with an Insurance Adjuster

Meeting with an insurance adjuster can feel intimidating, especially after experiencing a loss or damage to your property. But take a deep breath—preparing ahead of time can make a huge difference. With just a bit of planning, you’ll feel confident, informed, and ready for your meeting.

Before the Meeting

First things first: review your policy. Understanding your policy helps you know what’s covered, what’s excluded, and what deductibles might apply. Think of it as doing a quick homework assignment—it doesn’t take long, but it pays off big-time when you’re chatting with the adjuster.

Next, you’ll want to document all damages thoroughly. Channel your inner photographer and take clear, detailed photos and videos. Capture multiple angles of each damaged area in good lighting. The more visual evidence you have, the stronger your claim will be.

For damaged personal belongings, it’s super helpful to create a comprehensive inventory. Make a detailed list that includes a description of each item, when you bought it, how much you paid, and how much it would cost to replace today. If possible, include photos of the items before and after the damage. If you’re like most people and don’t regularly keep track of receipts, don’t stress! Just do your best and find as many supporting documents as you can—receipts, owner’s manuals, appraisals, or credit card statements can all help verify value and ownership.

When it comes to structural damage, it’s wise to research repair costs by getting estimates from reputable contractors. This step can help ensure the adjuster’s calculations are fair and accurate. Insurance adjusters are generally fair folks, but it never hurts to cross-check numbers (after all, math can be tricky!).

Lastly, jot down any questions or concerns about the claims process. Maybe you’re wondering about timelines, next steps, or specifics around coverage. Writing these questions down beforehand ensures you won’t forget them in the moment.

During the Meeting

When the adjuster arrives, it’s important to be present and attentive. Walk through your property together, clearly pointing out every area of concern. Don’t be shy—speak up if you feel the adjuster has missed something.

It’s also smart to take notes during your meeting. Jot down what the adjuster observes, any comments they make about coverage, and any answers to your questions. Trust us—memories fade quickly, especially during stressful times. Having detailed notes can save you headaches later on.

If there’s something you don’t understand, ask for clarification. Adjusters deal with the claims process every day, but it’s probably new to you. There’s no such thing as a silly question—especially when it comes to your property and your financial future.

During the meeting, be ready to provide the adjuster with all the documentation you’ve gathered: your inventory list, photos and videos, estimates, and any supporting paperwork. The better-prepared you are, the smoother the process will go.

Before you wrap up, be sure to get the adjuster’s full contact information—including their name, email, phone number, and your claim number. Ask them directly about next steps and when you can expect to receive their report and settlement offer. This helps set clear expectations for both parties.

As claims expert Mark Snyder wisely puts it: “To put it more simply, insurance is a promise.” Your policy is a contract, and you’re entitled to receive exactly what was promised in that contract.

For additional helpful tips, check out this great resource from the California Department of Insurance: Don’t Get Burned After A Disaster.

Handling Disputes or Disagreements Over Claims

When you’re dealing with property loss or damage, emotions understandably run high. Even with good preparation and clear communication, disagreements can still happen. Knowing how to handle these disputes calmly, professionally, and effectively can make all the difference.

Communicating Your Disagreement

If you find yourself disagreeing with your insurance adjuster’s assessment, take a deep breath and remember—you have the right to express your concerns. Start by clearly identifying exactly which parts of the settlement you disagree with. Be specific. Instead of simply saying, “This isn’t enough money,” pinpoint exactly where you think they may have missed important details.

Next, present clear evidence to back up your position. Evidence can include detailed estimates from reputable contractors, appraisals, or even expert opinions. For instance, if your adjuster said roof repairs will cost $5,000 but three roofers gave you quotes around $10,000, share those estimates directly.

It can also be helpful to reference specific provisions in your policy. Pointing directly to your policy document shows you’ve done your homework and helps the adjuster see your side clearly. And remember—always stay calm and professional. It’s perfectly normal to feel frustrated, but keeping discussions respectful and focused on facts often leads to better outcomes.

Lastly, document everything. Keep a record of every email, phone call, and discussion you have regarding the dispute. This documentation can be invaluable if you need to escalate the issue further.

Escalation Options

Sometimes, disagreements can’t be solved through direct negotiation with your adjuster alone. If so, don’t worry—you have options.

One common first step is to request to speak with your adjuster’s supervisor or the claims manager. A fresh set of eyes and ears might be just what’s needed to break the stalemate. If speaking to a manager doesn’t work, ask your insurance company about their formal appeals process. Most insurers have an established procedure you can follow to appeal a claim decision.

If you still can’t reach a satisfactory resolution, consider reaching out to your state’s insurance department. Regulatory agencies sometimes step in to help mediate disputes or review claims practices. You might also explore mediation, a neutral, third-party process aimed at resolving disagreements amicably.

For particularly complex or high-value claims, you may want to consult an attorney. While legal support is typically reserved for major disagreements, an attorney can clarify your rights and provide guidance on next steps.

The Benefits and Risks of Hiring a Public Adjuster

Another powerful tool at your disposal is hiring a public adjuster—an experienced professional who exclusively represents policyholders, like our team at Global Public Adjusters, Inc. But before diving in, let’s weigh the benefits and considerations carefully.

One of the biggest advantages of hiring a public adjuster is expertise. Public adjusters know the ins-and-outs of complex insurance policies, valuation methods, and claims processes. They’re your advocate, working solely to protect your interests rather than those of the insurance company. This often translates into higher settlements because they make sure nothing is overlooked or undervalued.

Additionally, working with a public adjuster can be a huge time saver. They’ll handle the extensive documentation, complicated negotiations, and tireless follow-ups required. After all, you’ve got enough on your plate without turning into a claims expert overnight! Plus, knowing you’ve got someone skilled in your corner can significantly reduce your stress during an already difficult time.

However, it’s important to be aware of some considerations too. Public adjusters typically charge a fee based on a percentage of your claim settlement—usually between 10% and 20%. You’ll need to carefully assess whether the potential increase in settlement amount outweighs this cost.

You should also be mindful of timing. Ideally, you’ll want to engage a public adjuster earlier rather than later in the claims process, but they can still be of great help if you’re already facing a dispute.

Before hiring anyone, always check their qualifications. Make sure the public adjuster is licensed in your state, and take time to review previous client references or online reviews. Carefully read any contract you’re presented with, paying particular attention to fee structures and cancellation policies.

At Global Public Adjusters, Inc., our licensed professionals have over 50 years of experience serving policyholders across Florida, including Orlando and Pensacola. We specialize in getting our clients fair settlements, particularly when disputes arise or complexities make handling a claim frustrating.

To learn more about the value we offer and whether hiring a public adjuster is right for your situation, check out our helpful guide: Why Should I Hire a Public Adjuster?

Frequently Asked Questions about Insurance Adjusters

What is the difference between a public adjuster and an independent adjuster?

This is one of the most common areas of confusion—and knowing the difference can make a big impact on your claim.

A public adjuster works exclusively for you—the policyholder. Think of them as your personal advocate, negotiating directly with your insurance company to make sure you’re treated fairly. Public adjusters help you steer through the complicated claims process, document damages thoroughly, and maximize your settlement. Because they’re on your side, they typically get paid from a percentage of the final settlement (usually between 10-20%).

On the other hand, an independent adjuster isn’t actually independent at all—at least, not from your perspective as a policyholder. While they’re not direct employees of your insurance company, they’re hired by and represent the insurance company. Independent adjusters often step in during busy claims periods like natural disasters, when companies need extra hands on deck.

Kenny Taylor, an experienced claims professional, sums it up nicely: “Both independent and staff adjusters are responsible for making sure every penny paid out aligns exactly with the insurance company’s policies. But public adjusters advocate specifically for the claimant, making sure you receive every penny you’re entitled to.”

How long does the claims adjusting process typically take?

There’s no one-size-fits-all answer to this one—it depends on a few factors, like the complexity of your claim, how busy the adjusters are (especially after major storms or disasters), and how quickly you can provide all the required documents.

For straightforward claims, like minor property damage or clearly documented losses, the adjusting process usually moves pretty quickly. You can typically expect a call from an adjuster within 24-48 hours after filing, an inspection within about a week, and a settlement offer within one to two weeks after that.

Complex claims—like extensive structural damage, large-scale losses, or business interruption—may take a few months to fully resolve. When major disasters strike, adjuster workloads skyrocket, and timelines can stretch out longer than usual.

To keep things moving smoothly, make sure you provide clear, thorough documentation of your damages. Photos, inventories, receipts, and contractor estimates can really speed things along. Clear communication with your adjuster makes everyone’s life easier (including yours!).

Can I negotiate the settlement amount with my insurance adjuster?

Absolutely! Negotiating your settlement offer isn’t just allowed—it’s often expected. Adjusters typically start with their initial estimate, but that doesn’t mean you have to accept it at face value, especially if you feel it’s too low to fully cover your damages.

First, ask your adjuster to explain exactly how they came up with the settlement figure, and don’t be shy about asking specific questions. If something doesn’t seem right, speak up!

Next, arm yourself with evidence. Provide your adjuster with detailed repair estimates, contractor bids, appraisals, or any other documentation that supports your case. Refer directly to your policy terms, coverage limits, and valuation methods like actual cash value (ACV) or replacement cost value (RCV) to back up your position.

If you’re feeling overwhelmed by the negotiation process—or if the gap between your expectation and the insurance company’s offer is significant—it might be time to call in backup. Hiring a public adjuster, like our team at Global Public Adjusters, Inc., can seriously level the playing field. We’ll steer the negotiation process, help you build a rock-solid case, and maximize your final settlement.

As Mark Snyder, a claims expert, reminds us: “Insurance isn’t meant to leave you better off financially—it’s meant to restore you to where you were before the loss.” That means you have every right to push back and negotiate if you feel the offer isn’t fair.

Conclusion

Understanding what do insurance adjusters do can make all the difference when you’re navigating a property damage claim. Adjusters have an essential and often overlooked role in the insurance world. They carefully investigate claims, assess the extent of damages, determine appropriate payout amounts, and handle negotiations to settle claims fairly.

But not all adjusters are alike, and knowing the difference can strongly impact your claim’s outcome. Company and independent adjusters represent insurance companies. They’re focused primarily on protecting the insurer’s financial interests. While they aim for fair settlements, their allegiance is ultimately to the company writing the checks—not to you, the policyholder.

That’s where public adjusters like us at Global Public Adjusters, Inc. come in. We exclusively represent homeowners and business owners during the insurance claims process. Our allegiance is solely to our clients, ensuring you receive the full settlement you’re entitled to under your policy. (Think of us as your personal “claims superheroes,” capes optional!)

With over 50 years of experience advocating for policyholders across Florida—including areas like Orlando and Pensacola—we’ve seen the challenges and stress a claim can bring. Complex policies, confusing terminology, and frustrating delays can make you feel overwhelmed and alone. But you’re not alone—we’re here for you.

Our team provides expert-level advocacy, helping you interpret your insurance policy, accurately document your damages, and strategically negotiate with insurance companies. We level the playing field, particularly when claims are complex, high-value, or being unfairly denied or undervalued. Our mission is straightforward: we fight to get you every dollar you’re owed.

If you’re currently dealing with a difficult claim or suspect your insurer isn’t offering a fair settlement, don’t hesitate to reach out. At Global Public Adjusters, Inc., we’re ready to review your claim, evaluate your damages thoroughly, and advocate tirelessly on your behalf.

For more about how we can help (and to stop pulling your hair out over insurance paperwork!), visit our services page.