This category is for insurance claims professionals such as adjusters, assessors, appraisers, examiners, and investigators.
Adjusters, assessors, and examiners are similar. They do the routine work of processing insurance claims. In the UK, assessor is more common; in the USA, adjuster. Insurance examiners typically are associated with life/health carriers, and adjusters with property/casualty.
Appraisers are expert in determining the value of insured items. They also determine the actual amount of damage, such as the loss a car received in an accident.
Investigators are detectives who research hard cases, as when fraud might be suspected.
Surveyors are combination appraisers and adjusters, usually associated with marine claims.
Please submit sites relating to insurance claims professionals. Sites having to do with claims billing should be submitted to the appropriate category such as Business/Financial_Services/Medical_Billing.
This category is for consulting firms which serve adjusters and assessors, not for the adjusters and assessors themselves. Also included are firms which work for insurers and third party administrators in establishing or improving the claims process in general, as opposed to firms which actually process claims.
Indepenedent adjusters and certain other claims-related services are paid by inurers. They serve the interests of the insurance company; however they are ethically bound to principles of honesty.
Public adjusters and certain other insurance claim-related services are paid by claimants, not insurers. They serve the interests of claimants, mostly policy holders (1st party as opposed to 3rd party claimants); however they are ethically bound to principles of honesty, just as insurers are.
In most states, public adjusters must be licensed separately from insurers' adjusters and their contracts and advertising must state "We Represent the Insured only". A typical legal definition for a public adjuster is "an adjuster who, for compensation, acts on behalf of or aids in any manner, an insured in negotiating for or effecting the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property." Public adjusters fees are usually a "percentage of the settlement", unlike insurers' adjusters, who work on an hourly or salary basis.
Please only submit sites that relate to insurance claim help, advice and assistance to consumers and businesses in negotiating their insurance claim against insurance companies. This category is not for "independent insurance adjusters" who are licensed to work for insurers. It is not for insurance policy sales or agents or solicitors. It is not for building contractors or fire and water damage restoration companies or auto body shops offering to negotiate claim settlements on behalf of policy holders. It is not for "accident attorneys" who represent policy holders with insurance claims and litigation against insurance companies.