When you’re considering a career in insurance adjusting, understanding the roles and loyalties of different adjusters is essential. Not all adjusters are created equal, and knowing the difference is foundational to your education and success.
Here’s a breakdown of the three key adjuster types you’ll learn about in our Adjusting Academy training:
1. Carrier (Staff) Adjusters
These adjusters work directly for insurance companies. Their job? Protect the company’s interests while evaluating claims.
- Limited authority: Junior adjusters can’t approve large losses.
- Split responsibilities: Field adjusters inspect damage; desk adjusters make final decisions (often without ever seeing the property).
- Lesson: These roles are about managing liability—not maximizing the client’s recovery.
Independent Adjusters
Independent adjusters are often contracted by carriers during storm surges or high-claim seasons.
- Appear neutral, but still serve the carrier
- Licensing varies by state (e.g., not required in PA or NJ)
- Lesson: They’re valuable players, but their loyalty still lies with the insurance company
Public Adjusters (What You’ll Become)
Public adjusters work exclusively for policyholders. This is the only type of adjuster whose mission is to help the insured recover fully.
- State-licensed and bonded
- Must complete ongoing education (CE credits)
- Paid based on successful outcomes (commission-based)
- Lesson: Your value lies in advocacy, ethics, and results
Thinking of Becoming an Adjuster?
Whether you’re entry-level or switching careers, Adjusting Academy gives you the tools to become the most qualified adjuster in the room.