Independent Adjuster
A claims adjuster who contracts with insurers or TPAs to handle claims but is not an employee of a single carrier.
Independent adjusters (IAs) often run their own adjusting firms or work as 1099 contractors for IA firms. They need appropriate state licenses where required and often hold a designated home state license from a licensing state.
Examples
After a regional hailstorm, a carrier deploys independent adjusters to inspect 200 homes in a week.
Common Misconceptions
Assuming IA means unbiased from carrier — they are paid by the insurer. Confusing with public adjuster who represents the insured.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
