Which type of insurance claim can an independent adjuster handle?

An independent adjuster primarily handles property damage claims, which involve assessing and evaluating damages to physical properties. This includes situations such as damage from fire, flood, theft, or other incidents that affect real estate or personal property. Their role is to investigate the claim, gather evidence, and determine the extent of the insurance company's liability based on the policy terms and the specifics of the loss.

In contrast, life and health insurance claims typically fall within the purview of specialists who are trained to deal with the unique aspects of those types of insurance, such as medical evaluations and policy stipulations related to mortality and morbidity. Therefore, property damage claims are clearly within the professional scope of independent adjusters and highlight their expertise in evaluating tangible losses.