{"id":13094,"date":"2019-03-27T21:12:00","date_gmt":"2019-03-28T01:12:00","guid":{"rendered":"https:\/\/www.resourcepro.com\/adjusters-theyre-not-all-the-same\/"},"modified":"2024-07-24T13:03:27","modified_gmt":"2024-07-24T17:03:27","slug":"adjusters-theyre-not-all-the-same","status":"publish","type":"post","link":"https:\/\/www.resourcepro.com\/blog\/adjusters-theyre-not-all-the-same\/","title":{"rendered":"Adjusters: They\u2019re Not All the Same"},"content":{"rendered":"\r\n

Elaine is a Marketing Associate at ReSource Pro Compliance<\/em><\/p>\r\n\r\n\r\n\r\n

Other than the agents who sell them their policy, the insurance professionals who have the most contact with policy holders are adjusters.\u00a0They play a key role in shaping the public\u2019s perception of our industry.\u00a0If you don\u2019t work in claims, however, you may not realize that there is more than one kind of insurance adjuster.<\/p>\r\n\r\n\r\n\r\n

The Company Adjuster<\/h2>\r\n\r\n\r\n\r\n

Some insurance companies employ their own teams of adjusters.\u00a0These company adjusters investigate insurance claims to determine the extent of their company\u2019s liability.\u00a0This typically involves interviewing the people directly involved in the claim and any witnesses or experts.\u00a0They may also consult police and hospital records, inspect property damage, etc.\u00a0As you might expect, a company adjuster represents interests of the company that employs them in the claim resolution process.<\/p>\r\n\r\n\r\n\r\n

The Independent Adjuster<\/h2>\r\n\r\n\r\n\r\n

Like company adjusters, independent adjusters represent the interests of the insurance company.\u00a0What makes them \u201cindependent\u201d is the fact that they aren\u2019t employees of a particular insurance company or third-party administrator (TPA).\u00a0Instead, carriers and TPAs contract with them to adjust specific claims.\u00a0An independent adjuster can work for multiple insurance companies.<\/p>\r\n\r\n\r\n\r\n

Success as an independent adjuster requires building a good reputation with insurers.\u00a0Depending on the type of claims they adjust, independents\u2014especially those just starting their careers\u2014may find the seasonal nature of their work challenging.\u00a0It can be either feast or famine!<\/p>\r\n\r\n\r\n\r\n

The Public Adjuster<\/h2>\r\n\r\n\r\n\r\n

Unlike company and independent adjusters, public adjusters represent the interests of the policyholder rather than the insurance company.\u00a0They serve as guides and\u00a0interpreters\u00a0for clients who may have little experience with insurance.\u00a0(We all remember how confusing the terminology could be when\u00a0we\u00a0first joined the industry!)\u00a0They help the insured document their claims, navigate the claims process, and ensure the maximum financial settlement.<\/p>\r\n\r\n\r\n\r\n

Public adjusters are sometimes depicted as having an adversarial relationship with insurance companies.\u00a0In fact, the different types of adjusters work together to ensure fair compensation for policyholders.\u00a0This creates a financially secure insurance environment that benefits everyone holding policies.<\/p>\r\n\r\n\r\n\r\n

Adjuster Licensing and Compliance<\/h2>\r\n\r\n\r\n\r\n

The fact that adjuster licensing isn\u2019t quite as uniform as producer licensing for the major lines of authority often proves challenging to newcomers.\u00a0State insurance departments often use different names for their adjuster license types, and licensing prerequisites and continuing education requirements vary.<\/p>\r\n\r\n\r\n\r\n

Additionally, not all states issue adjuster licenses.\u00a0If their resident state doesn\u2019t offer adjuster licensing, aspiring adjusters may need a Designated Home State (DHS) license.\u00a0The most popular states for DHS licenses are Texas, Florida, and Indiana.\u00a0These states offer the best\u00a0reciprocity<\/a>\u00a0[EN1]<\/a>\u00a0with other states.<\/p>\r\n\r\n\r\n\r\n

Even if their resident state doesn\u2019t require licensing, an adjuster may need a DHS license to qualify for non-resident licensing.\u00a0Additionally, some insurance companies and TPAs prefer licensed adjusters.\u00a0The licensing costs and compliance needs to maintain multiple licenses can be challenging, especially for independent adjusters, who often have to manage these needs themselves.<\/p>\r\n\r\n\r\n\r\n

For adjusters who don\u2019t want to maintain multiple non-resident licenses, emergency adjuster licensing may be an option.\u00a0State insurance departments sometimes waive certain licensing requirements for adjusters in the wake of natural disasters or other widespread loss events.\u00a0They do this when they believe that their state\u2019s roster of licensed adjusters is insufficient.\u00a0These licenses are generally of very limited duration.<\/p>\r\n\r\n\r\n

\r\n\r\n\r\n

Find out how ReSource Pro helps insurance agencies and producers meet their licensing and compliance needs by visiting our compliance page<\/a>.<\/p>\r\n\r\n\r\n\r\n

 <\/p>\r\n\r\n\r\n\r\n

 <\/p>\r\n","protected":false},"excerpt":{"rendered":"

Other than the agents who sell them their policy, the insurance professionals who have the most contact with policy holders are adjusters.\u00a0If you don\u2019t work in claims, however, you may not realize that there is more than one kind of insurance adjuster.<\/p>\n","protected":false},"author":64,"featured_media":13095,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"news-category":[],"insurance-segment":[],"services":[],"type-of-content":[38],"resource-type":[],"class_list":["post-13094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","type-of-content-blogs"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-04-19 10:37:02","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/posts\/13094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/users\/64"}],"replies":[{"embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/comments?post=13094"}],"version-history":[{"count":3,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/posts\/13094\/revisions"}],"predecessor-version":[{"id":15929,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/posts\/13094\/revisions\/15929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/media\/13095"}],"wp:attachment":[{"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/media?parent=13094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/categories?post=13094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/tags?post=13094"},{"taxonomy":"news-category","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/news-category?post=13094"},{"taxonomy":"insurance-segment","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/insurance-segment?post=13094"},{"taxonomy":"services","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/services?post=13094"},{"taxonomy":"type-of-content","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/type-of-content?post=13094"},{"taxonomy":"resource-type","embeddable":true,"href":"https:\/\/www.resourcepro.com\/wp-json\/wp\/v2\/resource-type?post=13094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}