What Is a Claims Adjuster?

The insurance field is genuinely useful for policyholders' peace of mind, but it can prove complex. To come out well during a claim, you need to understand how it works.

Insurer

Your insurer is the party with whom you have a contract covering your property in the event of a loss. When your loss occurred, you contacted it so that it would meet its obligation to compensate you. Its role is to determine the cause of the loss and its consequences, ensure follow-up on your file, and compensate you according to its contractual commitments.

However, your interests and your insurer's are not always the same: it has an obligation to restore your property to the same condition as before the loss, but like any business, it must also manage its costs. It is therefore not always best placed to determine the amount of your reimbursements on its own, since it is the one that will have to pay for them.

After your loss, your insurance company calls on a claims adjuster to verify whether the loss is covered and to determine the amounts your insurer will have to pay to settle your claim file. Did you know that a claims adjuster cannot defend the interests of the insurer and those of the insured at the same time?

The insurer's claims adjuster directs the work of several stakeholders:

• Construction contractors
• Post-loss cleaners
• Building estimators
• Contents specialists
  

Remember that the claims adjuster hired by your insurer continues to work for your insurer.

Claims Adjuster Working for People Affected by a Loss

A claims adjuster working for people affected by a loss, also known as a public adjuster, is someone objective with respect to the insurance market who negotiates in your favour to optimize your insurance claim and protect your interests.

This type of adjuster takes charge of your entire insurance claim, ensuring that every clause of your contract is followed to the letter.

Entrusting the settlement of your claim to Roy, Morissette et Associés gives you added peace of mind, knowing that someone is taking care of asserting your interests on your behalf.

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