What is the term for a person who adjusts claims but is not employed by the insurer?

The correct term for a person who adjusts claims but is not employed by the insurer is "Independent adjuster." An independent adjuster is typically hired on a contractual basis to assess claims for insurers and policyholders, providing an unbiased evaluation of the situation. Their independence from the insurance company allows for a more objective review, which can help ensure fair treatment of claims.

In contrast, a staff adjuster is employed directly by the insurance company, which can create a potential conflict of interest in claim assessments. A public adjuster represents policyholders rather than the insurer and is engaged directly by the insured to negotiate and adjust claims on their behalf. The term "executor," while relevant in other contexts (such as estate management), does not pertain to the field of claim adjustment. Thus, the designation of an independent adjuster accurately captures the role of someone who adjusts claims without being affiliated with the insurer's employment structure.