What is a loss adjuster?

What is a loss adjuster

The role of a loss adjuster is to provide support and guidance in the event of an insurance claim. To do this there is a need for expert knowledge and skills, along with a full understanding of the insurance cover and the circumstances of the claim. Loss adjusters are typically appointed by insurance companies but can also be appointed by policyholders. It can help if you have your insurance policy wording available, together with the latest policy schedule. You can ask the loss adjuster to explain your policy and how this may influence the outcome of your claim. The loss adjuster will usually send a report to the insurance company and policyholders often ask whether they are entitled to a copy of the report. Such reports are not usually made available. However, you may ask for guidance as to the view of the loss adjuster. If you do not agree, you are entitled to ask for an explanation and, if necessary, the method by which you can challenge any decisions. Some claims are straight forward and others, for various reasons, are complex. The loss adjuster will ask for a wide variety of information and you are entitled to understand why the information is required.