Need To Hire a Private Insurance Adjuster in Jackson Heights and Jamaica, NY

 It is the responsibility of a field adjuster in Jamaica and Forest Hills, NY, to visit the site of the claim to assess the extent of damage before okaying the claim. The insured person who files a property damage claim must provide the necessary proof to obtain the requisite insurance amount. Most insurance companies employ multiple types of adjusters to fulfill this purpose. The responsibility of a desk adjuster varies significantly from that of a field adjuster, however. The primary responsibilities of the field adjuster are handled at the specific site, rather than being desk-bound at the insurance office.

Some of the primary tasks that are delegated to the field adjuster include the following:

On-site investigations- The adjuster travels to the site of the damaged property or vehicle to assess how the accident or damage was caused. The adjuster will conduct a physical inspection of the area to gather all relevant information.

Damage assessment - The field adjuster will also examine the damaged area, whether a broken structure or a vehicle, to assess the extent of the damage. The cost of repairs and/or replacement of components is also gauged to be reported to the insurance company.

Claim verification- One of the first actions of such an adjuster is to request the insurance documents from the claimant. Examining the documents minutely will help the adjuster to understand the coverage that may be claimed, along with the exceptions as well. The circumstances leading to the damage/accident are also checked and verified as part of insurance claim verification. The field adjuster may interact with the witnesses and the law enforcement authorities to understand the facts.

Generation of a Report- The entire information obtained by the adjuster from various sources is compiled into a report. The detailed information included in the report is checked by the concerned insurance company and validated as required. Apart from confirming the veracity of the claim, the insurance company also calculates the sum that may be provided to the claimant for the damage.

Representative of Insurance Company- The field adjusters do not act independently. Instead, they represent the insurance company that delegates the task to them. While investigation of the incident and interaction with the claimant are necessary parts of their responsibilities, their primary task is to look after the interests of their employer, i.e., the insurance company. Ensuring the claim represents facts and the payout is justified sums up the role of the field adjuster.

It is indeed surprising to know that the field adjuster may be known alternatively as a loss adjuster or simply a claims adjuster. True, a majority of them are hired or employed by insurance companies, but some of them operate independently, as well. Many insurance companies prefer to hire a third-party adjuster for handling specialized cases that are a rarity. Moreover, many insurance companies feel the need for additional adjusters and hire several field and desk adjusters when the number of claims is overwhelming or there is a lack of competent adjusters employed by the insurance company.

The claimant may also get in touch with a private insurance adjuster in Jackson Heights and Jamaica, NY, for an independent assessment of the claim.