When a policyholder files a claim, these workers first find out whether the customer's insurance policy covers the loss. Then they find out the amount of the loss. They prepare reports on their findings and settle claims. Claim adjusters and examiners may make presentations to customer groups to explain risks, policies, and procedures. They negotiate settlements and authorize payments.
Specific duties vary from company to company.
Inside adjusters, also called telephone adjusters, usually take care of small claims filed by automobile or homeowner policyholders. Adjusters contact the customer by telephone or by mail to get information. They may need information on repair costs, medical expenses, or other details. Many companies do this in a drive-in claims center. The customer can go there and they will be told how much it should cost to fix the problem.