A claims adjuster inspects damage before an insuranceclaim can be paid. Claims adjusters can have specialties – for example, inspecting damage to homes caused by fire or flooding – or they can work with a variety of types of insurance claims.


Claims adjusters inspect the damage on their own as well as working with specialists, such as mechanics or doctors, to get their opinions about an insurance claim. After a claims adjuster reads these reports and submits his or her own report, he or she then works with the insurance company in order to come to a settlement.

Claims adjusters can work for an insurance company, or have a private business. Some people prefer to hire their own private claims adjusters to get a more unbiased assessment of injury or damage. In some instances, such as car accidents, there may be more than one claims adjuster representing different insurance companies.