If you own a car or house, you most likely have some sort of insurance policy set up to protect your assets. If something happens to those assets, like a car crash, flood, or fire, you’ll go through the process of filing a claim. This is where the insurance adjuster comes in.
Insurance adjusters are licensed individuals who investigate insurance claims on behalf of an insurance company. This is to prevent fraudulent claims from happening and to reach a fair settlement for each claim.
You can even request an independent insurance adjuster to investigate your claim outside of the one supplied by the insurance company. Read more about how a Denver independent insurance adjuster can help with your auto, home, or medical claims.
About Independent Insurance Adjusters
Although insurance companies have in-house adjusters on hand, hiring an independent adjuster is common. This happens for a few different reasons.
Most commonly, the in-house claims adjuster is too overloaded with claims already. Another common reason is that there are no insurance offices nearby to the policyholder, so the company needs to outsource to a local adjuster.
Independent insurance adjusters work on a freelance basis with local residents and insurance companies. Otherwise, they handle claims in a similar fashion to in-house or public claims adjusters.
Responsibilities of an Insurance Adjuster
The responsibilities of an insurance claims adjuster are extensive. Primarily, these individuals work to review claims and arrange a settlement amount. However, there are many steps involved with reviewing a claim depending on the type it is.
A professional claims adjuster will review the policy carefully to determine what is and isn’t covered by the insurance company. They will then file a report with the insurance company outlining the claim details and settlement amount. Their report will outline the following:
- Cause of the loss
- Extent and proof of the damage to the vehicle, home, or persons
- Results of interviews with claimants and witnesses
- Findings from the police report
- Consultations with other experts
With all of this information, the insurance adjuster will be able to make a fair determination of the settlement amount. This amount fully covers the extent of the damage and loss. They can also recommend professional contractors to assist in the repair of the vehicle or home if necessary.
Independent Insurance Adjuster For My Colorado Claim
If you have recently filed a claim with your insurance provider, it’s essential to work with a tried-and-true adjuster. Getting diverse experience and expertise is important for a well-rounded claims experience and a fair settlement amount.
For multi-line claims issues, contact Moulton Claim Service Inc. With over 100 years of combined experience, our independent insurance adjusters can help you resolve your claim. From investigation to litigation, your claim will be handled by a professional and skilled team of independent adjusters.
Our team provides competitive rates, polite communication, timely and organized claims reports, and more. Contact us for more information on how we can help you with your Colorado claim.