How claims adjusters work — and how to work with them
Published May 22, 2026
The adjuster's estimate often sets your payment, so understanding their role helps you advocate for a fair outcome.
An adjuster investigates your claim, inspects the damage, and prepares an estimate. Staff adjusters work for the insurer; independent adjusters are hired by the insurer; public adjusters work for you.
You are allowed to be present at the inspection, point out damage, and provide your own contractor estimates. If the adjuster's estimate seems low, you can request a re-inspection and submit documentation supporting a higher figure.
Be organized, be polite, and put disagreements in writing — a clear paper trail is your strongest tool.
Frequently asked questions
＋ Should I accept the adjuster's first estimate?
Not automatically. Compare it to your own contractor estimates and your documentation. You can negotiate and request a re-inspection if it seems low.
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