What Is The Role Of A Loss Adjuster?

If you have found yourself in the unfortunate position of having to make a claim on your insurance, the chances are you may well have been told that a Loss Adjuster will be coming to visit you.

But unless you have been through the process before, you may not be fully aware of a Loss Adjuster’s role and whose interests they represent.

Here’s a guide to what you need to know about the role of a Loss Adjuster.

The insurer’s eyes and ears


Most people either take out their insurance online or via a local broker so the chances of their provider’s head office being based locally are practically zero.

But if you make a claim, the insurer needs a way to take a look at your losses and establish what has happened and this is where a Loss Adjuster comes in.

A Loss Adjuster is usually appointed from an independent company but despite this, is responsible for acting on behalf of the insurer. The individual is tasked with the job of investigating large, complex or contentious claims and reporting back their findings to the insurer.

A Loss Adjuster is not the same as a loss assessor. The latter is a specialist appointed by the insured in order to present challenging or large claims. A loss assessor working on behalf of the victim could meet a Loss Adjuster acting on behalf of the insurer in order to negotiate a settlement.

The responsibilities of a Loss Adjuster


First and foremost, the Loss Adjuster must establish whether a loss has actually occurred and if so, the primary cause. This can be somewhat difficult after the event but Loss Adjusters are equipped with experience and lots of training to be able to spot giveaway clues.

A Loss Adjuster will visit as soon as possible after the event in order to ensure the site is safe and to secure it if necessary, thereby preventing further losses. This could mean boarding up windows or doors, they will take a number of photographs to record what the damage was which will help value the final claim payout.

Once they have concluded their visit, the Loss Adjuster will decide whether or not the damage is covered by the policy and will write a report to the insurer, with the photographs, recommending the basis for whether the claim should be paid.

The report will include suggestions about the proper and most cost-effective way to meet the liability and ensure that the claim conditions are met. This could include providing details of local repairs.

If the Loss Adjuster believes the claim is suspicious or fraudulent, they will carry out further investigations on behalf of the insurer.

A Loss Adjuster will also be vigilant for any indication that the event occurred due to another party’s error e.g. a plumber that did not adequately fit new pipes. If another party is identified as being either partially or fully at fault, the Loss Adjuster will pursue a claim against them for payment.

If your claim is large or repairs are protracted the chances are that you will be speaking to the Loss Adjuster regularly. At the beginning they will estimate how much they think the total job will cost and will advise your insurer of a reserve figure to set aside. This figure may well change as repairs begin.

In order to avoid difficult discussions with contractors who are working on any repairs, a Loss Adjuster can arrange for the insurer to pay the workmen directly on your behalf. They can also request that payment is released in stages if you have costs to meet on an ongoing basis.



Although the Loss Adjuster is paid for by the insurer, they are responsible for making sure the right amount of money is paid. By being well prepared and thinking about what questions to ask, it is possible to get the most out of a visit from a claims assessor which ultimately should mean your claim is not only paid more quickly, but also for a higher amount. If you are looking to move roles as a Loss Adjuster visit the London recruitment agency Idex and view some roles.

Image Credits: sissyboystud and IanHaskins.

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