When you’re dealing with an insurance claim, one of the first professionals you’ll encounter is an insurance adjuster. But what exactly does an insurance adjuster do, and why is their role so important? At Ocean Point Claims, we believe that understanding the job of an insurance adjuster can make a significant difference in how you manage your claim and protect your interests.
Who Is an Insurance Adjuster?
An insurance adjuster is a professional who investigates insurance claims to determine the extent of the insurer’s liability. Whether it’s a car accident, home damage, or a natural disaster, the insurance adjuster is responsible for assessing the damage, reviewing policy coverage, and negotiating settlements.
There are several types of insurance adjusters:
- Staff adjusters work directly for insurance companies.
- Independent adjusters are hired by insurance companies on a contract basis.
- Public adjusters, like the ones at Ocean Point Claims, work for the policyholder, not the insurer.
What Are the Responsibilities of an Insurance Adjuster?
The role of an insurance adjuster is both investigative and evaluative. Their responsibilities typically include:
- Visiting the site of the loss or damage.
- Interviewing claimants and witnesses.
- Reviewing police reports and medical records.
- Documenting evidence through photos and written statements.
- Determining policy coverage.
- Estimating repair or replacement costs.
- Negotiating settlements.
An insurance adjuster must remain objective, but when you’re relying on the adjuster sent by your insurer, their goal is often to minimize payout. That’s why many policyholders turn to public adjusters like those at Ocean Point Claims to ensure a fair evaluation.
Why You Need Your Own Insurance Adjuster
Hiring your own insurance adjuster, specifically a public adjuster, puts you in control of your claim. At Ocean Point Claims, we represent only the policyholder. Our job is to maximize your settlement and make sure you’re not left with out-of-pocket expenses you shouldn’t have to cover.
A public insurance adjuster works in your best interest, not the insurer’s. We review your policy in detail, assess the full extent of your loss, and handle all communication with the insurance company. This ensures that nothing is overlooked and your claim is properly documented and negotiated.
Common Situations Where an Insurance Adjuster Is Involved
There are many types of claims where an insurance adjuster plays a key role:
- Fire and smoke damage
- Water and flood damage
- Windstorm and hurricane claims
- Theft and vandalism
- Mold and structural damage
No matter the cause, a qualified insurance adjuster is critical to getting a fair resolution. At Ocean Point Claims, we have years of experience handling complex claims and negotiating with major insurance carriers on behalf of our clients.
Trust Ocean Point Claims for Expert Insurance Adjuster Support
Navigating the insurance claims process can be overwhelming. Working with a dedicated insurance adjuster from Ocean Point Claims gives you peace of mind. We take the stress off your shoulders by handling every aspect of the claim process.
Our licensed public insurance adjusters understand the tactics insurance companies use. We fight for the maximum payout you’re entitled to, and we don’t get paid unless you do.
Contact Ocean Point Claims today to speak with an experienced insurance adjuster who will advocate for your best interests. Whether you’re facing storm damage or water intrusion, let an expert insurance adjuster help you get the settlement you deserve.
