Types of Insurance Adjusters

There are three types of insurance adjusters, which includes Staff Adjusters, Public Adjusters and Independent Adjusters. Most insurance adjusters have backgrounds in casualty, property or transportation insurance claims. The adjusters are responsible for negotiating with the consumer.

Types of Insurance Adjusters

• Staff Adjuster: Staff Adjusters are employed by insurance companies, such as All State, State Farm and Geico. They are responsible for working claims on behalf of the company. They provide estimates for the company using company issued software, and provide the insurance company with a written report of their findings. No license is necessary to be a Staff Adjuster.




• Public Adjuster: Public Adjusters work on behalf of the policyholder. They negotiate with insurance companies to reach a fair settlement. They are required to be licensed by the state. Public Adjusters are paid a based on the settlement amount of the claim.




• Independent Adjuster: Independent Adjusters are independent contractors that work through a third party company. They pay for their own equipment, travel and expenses. They are paid on a per claim basis. An insurance adjuster license is required to be an Independent Adjuster.