Nearest broker: Searching for a broker nearby…
Nearest broker: 2607 Ellwood Dr SW, Edmonton, AB, T6X 0P7 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 10325 Bonaventure Dr SE, Calgary, AB, T2J 7E4 Phone: 403-695-1050 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 103-5020 Lac St Anne Trail S, Onoway, AB, T0E 1V0 Phone: 780-967-2282 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9901 103 St, Fort Saskatchewan, AB, T8L 2C8 Phone: 780-998-0881 , Edson, AB, T7E 1T6 Phone: 780-440-0075 16612 109 Ave NW, Edmonton, AB, T5P 1C2 Phone: 780-486-4488 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 264 Midpark Way SE, Calgary, AB, T2X 1J6 Phone: 403-251-2926 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 4632 70 St NW, Calgary, AB, T3B 2K6 Phone: 403-247-6435 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

What is an adjuster?

Auto Insurance

By Anne Valentino | December 21, 2017

In the world of insurance, there are a number of terms and roles that most people just don’t really understand. We have found that many people aren’t sure what an adjuster is and what their exact role is in the insurance industry. This article has the answers!

An adjuster is responsible for estimating the extent of damage to your property and how much it will cost to repair it or replace damaged property. You will encounter an adjuster if you have a claim – they are essentially an investigator and will help determine the amount your claim is settled for or what will or won’t be covered by your insurer.

Will I Ever Have to Interact with an Adjuster?

If you have a claim, you will interact with an adjuster. The insurance company will put you in touch with an adjuster who will work with you to understand what happened and determine the extent of the damage. You will likely have at least one conversation with the adjuster and may be asked by them to provide documentation such as a written statement, police report, photographs, inventory list and receipts. They’ll review all evidence as part of the process. The faster everything is provided, the faster the claims process will be.

For example, if you’re involved in a car accident, you’ll call your broker or insurer to open a claim. An adjuster will then call you to arrange an interview. They’ll ask you about the accident and gather documentation such as the police report, medical invoices and damage estimates.

What Types of Questions Will an Adjuster Ask Me?

It is important to prepare yourself prior to discussing your claim with an adjuster. Keep in mind that most such interviews do take place via phone, although some take place in person. They will have a list of questions to get the details about the claim, including what happened and when and what was done.

For example, here are some questions you might be asked if you’re involved in a car accident:

  • Where did the accident ocurr?
  • What time of day was it?
  • What was the weather?
  • Was there a lot of other traffic?
  • What happened?
  • What did the other driver(s) or passenger(s) do?
  • Was anyone hurt?
  • Did the ambulance take anyone to the hospital?
  • Were the police involved and if so, do you have a copy of the report?
  • Was your vehicle driveable? If no, where was it taken?
  • Have any repairs been done to your vehicle or have you had an estimate done?
  • Were there any witnesses to the accident?
  • Did you get the other driver(s)’s insurance and contact information?
  • Did you receive any follow-up medical care or have you had any subsequent medical issues?

If you have a property insurance claim, your adjuster may ask:

  • When did the claim occur?
  • What happened?
  • What was damaged?
  • Do you have any photos or videos of the damage?
  • Have you received any estimates for repair or replacement?
  • Do you have an inventory of lost or damaged items?
  • Has any cleanup or remediation happened?
  • Have any temporary repairs been done?
  • Are you able to live in your home?

Of course, the questions asked will reflect the type and severity of your claim.

The more detailed you are with your answers, the more knowledge the adjuster will have in trying to sort out your claim. We encourage you to be honest and willing to work with your adjuster.

If you do run into a situation where you feel the adjuster is not doing a good job or is difficult to work with, you should speak to your broker and explain the situation. They may be able to help facilitate the relationship or speak to your insurer on your behalf.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download