Every insurer relies extensively on the work performed by at least one experienced, licensed Insurance claims adjuster. These professionals are equipped with the skills and knowledge needed to assess claims quickly and accurately.
For many insurers, however, claim volume fluctuates extensively, meaning that the need for these kinds of services does the same. Hiring an Independent Adjuster to tackle particular claims is one way of keeping costs down while still providing a consistently high level of service.
Many Reasons Why Working With Independent Professionals Can Make Sense
While there are certain types of coverage, such as life insurance, where claim rates tend to be fairly steady and predictable, these are more the exceptions than the norm. Many or most types of insurance coverage are called on in much less regular fashion. Some of the factors that can make unusually high claim volumes more likely include:
Seasonal issues. Some natural threats become a lot more likely during certain times of the year, and this can easily impact the number of claims that particular insurers must field. Hailstorms that crop up most frequently at the very beginning and end of winter, for example, can cause extensive damage for weeks at a time in certain areas. In such cases, it will often make the most sense for an insurer to hire a freelance insurance adjuster to help deal with some of the increased claim volume.
One-off natural disasters. There are also weather events of less predictable kinds that can be even more difficult to accommodate. A flood that leaves thousands of homes in an urban area damaged or destroyed, for example, can force an insurer to respond to hundreds of times more claims than usual. Whether because of an unexpected wildfire, a devastating tornado, or an earthquake, being able to call on the services of experienced, independent professionals can make the insurance business much easier.
Special claims. Some policies also include types of coverage or riders that will be exercised only rarely. In such cases, an insurer’s own full-time adjusters might not be well positioned to assess the claim in question. That will often make it worthwhile to call in an independent professional who has the necessary background and skills.
Providing Responsive, Accurate Service That Benefits All
Adjusters who work on an independent basis thereby provide a service that allows insurers to deliver even more value to their clients. By filling in the gaps and responding to increased demand, they help keep premium costs down and the protection afforded by coverage high.