Claim Adjusters Responsibility During the Insurance Claim Process

Rodriguez Law Group, Inc.

Date: January 16, 2025

What happens when you file an insurance claim?

The insurance company assigns a claims adjuster to your claim, and they become your primary contact throughout the claims process. They juggle many responsibilities and multiple claims at once.

What should you expect from a claims adjuster?

The adjuster will contact you and other parties to gather evidence and information about

the claim. They analyze the evidence, review the policy, and determine if the insurance

policy covers the claim.

During this process, they interview witnesses, visit your property or the incident site, take photos & document damage to property. They also consult with legal counsel, physicians, mechanics, engineers, and architects when needed.

Next, they write a report detailing their findings and provide recommendations to the

appropriate parties. If the insured and insurer can’t agree on covered items or situations, the adjuster is authorized to negotiate settlements and authorize payments. If the claim is approved, the adjuster coordinates repair efforts.

It is important to know that the claim adjusters will act in the best interest of the

insurance company. Their loyalty is to the provider and not the policyholder. They are

expected to interpret the policy in a way that protects the insurance company from extra

losses and ensures coverage is applied appropriately for the insured.

For this reason, when filing a claim, you must provide as much relevant documentation

as possible to support your claim. It is also twice as important to know your policy

coverages to ensure you get the payout you deserve.

If you have legal questions or need representation, contact us at 626-888-5206.

We can guide you through your personal injury, property damage, real estate, landlord, and civil defense matters.

Disclaimer: This is not legal advice but general educational material. This does not

create an attorney-client relationship. You should consult an attorney in your locale.