What differentiates an independent adjuster from a staff adjuster?

An independent adjuster is distinct from a staff adjuster primarily due to their contractual relationship with insurers. Independent adjusters are typically hired on a temporary or contract basis to handle claims for multiple insurance companies. This allows them to bring a diverse perspective and flexibility to the claims process, as they are not tied to a single insurer and can work across various cases and clients.

In contrast, a staff adjuster is usually employed directly by an insurance company, providing them with a more stable and dedicated role within that particular organization. This employment structure means that staff adjusters handle claims exclusively for their employer, which can lead to a more focused approach but less variety in the nature of claims they encounter.

The structure of independent adjusters working across multiple insurers allows them to adapt their skills and experiences to different claims and circumstances, providing insurers with the expertise needed for specific situations without the need for full-time staff. This model benefits both the adjusters and the insurers they serve, making it a crucial distinction in the field of insurance adjusting.