Independent adjuster

What it means

“Independent” means independent of a single insurer’s payroll, not independent of the insurance side. Florida law defines an independent adjuster as a licensed all-lines adjuster, self-employed or working for an independent adjusting firm, who acts on behalf of an insurer to determine the amount of a claim or settle it (§626.855). Insurers often use independent adjusters after big storms, when their own staff adjusters cannot handle the volume.

The National Flood Insurance Program works the same way. Its policy forms say the insurance adjuster “whom we hire” may help you with a proof of loss, but has not been authorized to approve or deny your claim.

Why it matters to your claim

Treat the independent adjuster as the insurer’s representative. Be cooperative and give them access, photos and documents, but do not assume their estimate is final or that they are advising you. Ask for a copy of their estimate and compare it line by line with your contractor’s. If you want someone on your side, that is the role of a public adjuster or an attorney. If the adjuster’s report leads to a denial or low offer, our guide to a claim denied explains next steps.