Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 14, 2022

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The Lowdown

  • Insurance claims adjusters determine how much your insurance company for damages or losses to your property.
  • Insurance claims adjusters determine how much your insurance owes you on a claim by speaking with you, assessing damages, and reading official reports.
  • In many U.S. states, insurance claims adjusters are required to obtain specific licensing before they can work on claims as independent adjusters or full-time with a specific insurance company.

Filing a claim with your insurance company can be overwhelming. Depending on what happened and the type of insurance involved, you may have to take several steps to ensure everything you do is done properly so that your claim will be approved.

In most cases, your claim with your insurance company will be evaluated by an insurance claims adjuster. An insurance claims adjuster is a person who investigates and settles disputes between insurance companies and their policyholders. Insurance claims adjusters are responsible for assessing the value of a claim, determining if it merits coverage, and negotiating settlements.

Whether you are making a claim with your car insurance, life insurance, or home insurance, you are likely to have a few conversations with an insurance claims adjuster during the process. 

If you are searching for car, life, or home insurance, be sure to use our free quote tool above to find and compare quotes from several different insurance companies in your area today. 

What does an insurance adjuster do?

Insurance adjusters essentially work to find out whether your insurance company owes you any money for losses or damages to yourself of your property based on your insurance coverage. Insurance claims adjusters can work for a specific insurance company, or they can be independent adjusters who have been hired by your insurance company.

Normally, an insurance claims adjuster will assess your claim and determine whether the insurance company owes you anything by:

  • Speaking with you
  • Assessing damages to you or the property
  • Speaking with witnesses
  • Reading reports by police officers or other officials

The process of assessing a claim can be quick, but there is a chance that the process could take weeks or even months. Because of this, you may end up speaking and interacting with your insurance claims adjuster for quite some time.

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How do I deal with my insurance adjuster?

If you are wondering how to deal with an insurance claims adjuster, there really is no trick. You simply need to be honest, forthcoming with information, and polite to the adjuster during the process. If you have any questions about the process, or if you feel like anything with your claim is being mishandled, you should mention it to your adjuster to make sure it is noted.

Learning how to negotiate a settlement with an insurance claims adjuster, however, is an entirely different story. If you want to negotiate a settlement on a claim, you will need to have proper evidence for doing so. Simply wanting to get more money from your insurance company than what you’ve been told you will receive is not enough.

On rare occasions, when you work to negotiate a settlement, you will have to pay for an attorney to help you find evidence that an insurance claims adjuster mishandled your information. You will want to factor all of this in before you make a decision to negotiate a settlement, as it could end up costing you more than you would get back from your insurance company.

How do insurance adjusters deal with claims?

When it comes to dealing with claims, insurance adjusters start by preparing a claim file. This may look similar to the file created by an attorney who is representing someone in a trial. Insurance adjusters will ultimately present the claim file to both the insurance company and to you.

An insurance claims adjuster will often include pictures of any damages, statements from people directly involved in the incident, and testimonies and reports from experts or officials in their claim file. Once this is all organized, the insurance claims adjuster will determine a personal recommendation concerning how much the insurance company should pay.

Whether you are filing a claim with your car insurance, home insurance, health insurance, or other types of coverage, the process will look similar to the one stated above. You could go several days or weeks without hearing from your insurance claims adjuster about your settlement. But if you ever feel like you’re missing something or it has been too long since you have been contacted, you can reach out to your insurance claims adjuster directly.

How can I become an insurance adjuster?

Learning how to become an insurance claims adjuster is not as difficult as it may sound. Before you make any final decisions to become an adjuster, you should look into the average insurance claims adjuster salary in your area and see how much insurance claims adjuster certifications may cost.

You will want to look into local insurance claims adjuster jobs and decide which type of insurance adjuster you want to be. You could choose to be an adjuster that works full-time for one insurance company, or you could choose to be an independent adjuster who works for multiple companies at once.

Getting your insurance adjuster’s license is the next step, and this process will vary based on the state you live in. Some states require that adjusters get specific licenses, while other states have different or additional insurance claims adjuster requirements. The step of being certified or licensed as an insurance adjuster is often the most difficult and time-consuming.

Lastly, once you are certified as an adjuster, you will need to find an employer. Reading insurance claims adjuster job descriptions could help you determine the companies you do and don’t want to work for. Once you get hired, you may have to participate in insurance claims adjuster training that lasts a few days or weeks.

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What happens after an adjuster recommends a settlement amount?

Once your insurance claims adjuster recommends a settlement amount, it is up to you whether you will take the offer or try to negotiate the settlement. As stated above, some negotiations could end up costing you a significant amount of money. So if you are negotiating over a few hundred dollars, it may not be worth it.

Once you accept the settlement, you should receive the payment within a few weeks. Some companies will make a direct deposit of the settlement into your bank account within 72 hours of settling the claim. If you settle on an amount and you do not get the payment from your insurance company within two weeks, contact a representative from the company to ask about it.

It is always a good idea to shop around for insurance coverage at least once a year to compare prices and coverage options on your home, life, car, and health insurance policies. This will help you make sure you have the coverage you need at an affordable cost.

Feel free to use our free quote tool below to find and compare different types of insurance rates with local companies today.