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What is a Claims Adjuster?: Why You Might Need One & What They Do

what is a claims adjuster

A claims adjuster is an insurance professional who investigates insurance claims to determine whether the insurer should pay for damage or injuries and, if so, how much they should pay. 

For example, suppose your house experiences damage from a notorious Tampa hurricane, and you file a claim with your insurer for the damage to your home. In that case, a claims adjuster will be assigned to your case to verify you have the applicable coverages and the damage is covered. 

Adjusters may also work with you to get your home inspected or set up repairs on your behalf. 

When disaster strikes, it can be stressful for you and your family. The last thing you should be worried about is whether or not your insurance covers the situation.

Don’t waste your time trying to figure out if you are covered when there is an emergency. There are too many variables at play to know for sure until after the fact. So that’s where we come in.

At Link Public Adjusting Group, your unique needs are our priority. We want to ensure you get the best service possible, so we work with public adjusters and consultants with extensive contact networks. We will bring them in to help us cultivate and implement unique solutions for your needs.

We perform these services on a case-by-case basis to ensure customized, professional, comprehensive claim analysis and adjustment for all Link Public Adjusting Group clients throughout Tampa and the state of Florida.

What Does a Claims Adjuster Do?

Insurance adjusters are the first line of defense in ensuring you’re getting the coverage you deserve regarding your insurance. They’ll investigate your claim and ensure that your insurer is fulfilling their obligations under the terms of your policy. If they find that an insurer isn’t providing adequate coverage, they can help you file a complaint with the state or federal government.

The typical steps an adjuster will take when investigating your claim include the following:


  • Review all the details of your accident/loss, including a review of your policy, to determine which coverages may apply to your claim.
  • Interview those involved in the loss and collect recorded statements from them.
  • Review any other information related to the loss (such as police reports or video footage).

Get The Payout You Deserve

Insurance claim adjustments for storm, fire, water, and other disasters.

Why You Might Need a Professional Claims Adjuster

The world of insurance has gotten more complex over the years. When the father of insurance, Benjamin Franklin, was in his heyday, there was only fire insurance. Now insurance companies cover things that could only be imagined years ago.

There are many different types of insurance out there today, including life insurance, property insurance, health insurance, car insurance, and even pet insurance. 

That’s why the role of an adjuster is so essential in today’s world. When an insurance company or a victim needs a third party to assess damages, this is where the adjusters come in.

First, the adjuster studies the type of insurance the victim has. This helps them assess the damage. They also understand all exclusions that are written into an insurance policy.

Next, they visit the site or area where the damage occurred and gather all documents and witness accounts needed to review the entirety of a situation. Finally, because they researched the problem and gained knowledge about the victim’s insurance policy, they can prove proof of loss to pay out money from the said policy.

Many public adjusters specialize in specific fields thanks to this complex system and the plethora of insurance types. For example, at Link Public Adjusting, we offer a wide variety of services for residential and commercial properties. 

Why Choose Link Public Adjusters for Your Claims?

When dealing with water damage, fire damage, roof leaks, tornado damage, and other disaster situations commonly seen in Florida, like hurricanes and tropical storms, you need a team of experts who can help you get things back to normal as fast as possible.

At Link Public Adjusting Group, our skilled team of public adjusters has years of experience helping clients with their insurance claims. This gives us unique insight into the wide variety of property damages that can take place on a Florida residential or commercial property.

Our first step toward recovery is to connect with a public adjuster. This begins by calling or emailing Link Public Adjusting Group today! Once you make an appointment, you can meet with our team and recognize the difference between dealing with a professional adjuster with your interests as a top priority.

No Recovery, No Fee!

Helping Clients with their Losses, Even When They’re Unexpected

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