What Is Insurance Adjuster?

Definition

An insurance adjuster investigates your claim, reviews evidence, and determines how much the insurer will pay. For diminished value and ACV disputes, the adjuster is your primary point of contact — and their initial offer is often a starting point for negotiation, not a final number.

Why it matters for your claim

Adjusters work for the insurance company. Understanding their role helps you prepare evidence-backed responses instead of accepting the first offer or getting stalled in verbal back-and-forth.

• Keep all communication in writing when possible.
• Adjusters may request additional documentation — respond promptly.
• Initial offers are frequently below market-supported amounts.
• Escalation to a supervisor is an option if your evidence is ignored.

Common questions