What is a Field Adjuster?
A field adjuster, similar to a claims adjuster, primarily deals with tasks related to accident claims outside the office, particularly to assess the extent of damage, determine the validity of a claim, and estimate the cost of repairs or replacement. They conduct face-to-face meetings with claimants, investigate scenes of accidents, inspect damages, negotiate with involved parties, and assess the causes and impacts of accidents. Although claims adjusters may also handle some of these tasks, their primary role is settling the claims.
According to the International Risk Management Institute (IRMI), a field adjuster is “An insurance adjuster who handles claims that require personal inspection of damaged property or accident scenes.” This definition emphasizes the on-site nature of a field adjuster’s work, which involves firsthand assessment of the damage or loss and to ensure that insurance claims are processed accurately and fairly.
A field adjuster’s work includes evaluating damage to homes and businesses after natural disasters such as hurricanes or floods, assessing vehicle damage following car accidents, and investigating theft or vandalism claims. Field adjusters may work for insurance companies, independent adjusting firms, or as public adjusters representing policyholders.
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