Which type of adjuster is typically employed by an insurance company?

A staff adjuster is typically an employee of an insurance company, responsible for evaluating claims that arise under the policies issued by that company. This role includes conducting investigations, determining policy coverage, negotiating settlements, and ensuring that claims are handled according to company protocols and standards. Being an in-house employee allows staff adjusters to have a deep understanding of the company's policies, procedures, and claim systems, which enables them to serve the company's interests effectively.

In contrast, the other types of adjusters serve different roles. Independent adjusters are usually contracted by an insurance company to handle specific claims but are not employees of the company. Public adjusters represent policyholders and work on their behalf during the claims process, advocating for the best possible settlement. Freelance adjusters may take on various roles but typically do not have a formal relationship with a specific insurance provider. Thus, they differ from staff adjusters in terms of their employment structure and primary allegiance within the claims process.