They investigate by interviewing the customer and witnesses. Adjusters check policy and hospital records and inspect property damage. They keep photographs, statements, and computer files of information. When the policy holder's claim is rightful, the claim adjuster settles the claim. When claims are unsettled, adjusters may testify in court.
Some adjusters work with all kinds of insurance.
Others specialize in fire damage, marine loss, workers' compensation, and other areas. In life and health insurance companies, the claim adjuster is called a claim examiner. In property and casualty insurance companies the claim examiner may supervise claim adjusters. Adjusters and examiners look into questionable claims. They also can authorize payment for larger claims.