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A professional who investigates and assesses an insurance loss and the claim's circumstances.
The adjuster gathers evidence and evaluates the claim against the policy's coverage and valuation terms. This can involve specialist reports, estimates, business records and checks for earlier damage or uninsured items. The adjuster's report informs claim handling, but the insurer's obligations still arise from the policy and applicable law. Professional assessment does not remove a policyholder's ability to question findings or use available dispute processes.
Suppose a storm damages a shop's roof and stock. An adjuster visits, checks which damage arose from the storm, compares repair quotations and verifies the inventory records. A building engineer may be needed for structural questions. The final assessed loss can differ from an initial estimate without proving dishonesty by either side. This hypothetical explains investigation, not an endorsement of a particular settlement.
Jamaican insurers report J$54.35 billion in Melissa payments; 983 claims remain