01 / The meaning
What it means.
An adjuster may inspect damaged premises, review records, speak with contractors and prepare a report for the insurer. Their appointment does not mean that the claim has been accepted. Ask who engaged the adjuster, what they have been asked to assess and whether they have authority to make a decision or only provide recommendations.
The adjuster’s role is different from a broker assisting the insured, a repairer quoting for work or an adviser separately engaged by the business. Keep copies of information supplied and record important questions or disagreements. If the scope of damage or proposed repair method seems incomplete, provide the supporting evidence and request a clear explanation through the claim process.
02 / Put it in context
A practical example.
Hypothetical example: After a workshop fire, an adjuster visits to document the equipment and building damage. The owner supplies purchase records and identifies machinery requiring specialist inspection. The inspection assists assessment; it does not settle which costs the insurer will accept.
This example illustrates the term. It does not predict a claim outcome.
03 / Read the detail
What to check.
- Confirm who appointed the adjuster and the scope of their role.
- Retain photographs, inventories and documents supplied for assessment.
- Ask how to raise corrections to the damage or repair assessment.
04 / Start a useful conversation
A question for your broker.
Is this person assessing the loss, deciding cover or arranging repairs?
05 / Connect the terms
Keep the meaning in context.
06 / Apply it to your business
Related insurance guides.
Further reading
Read the source guidance alongside the relevant policy wording.
General information only. This does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you. Cover is subject to insurer acceptance and the policy terms, conditions, limits and exclusions. Read the Financial Services Guide and the relevant PDS (where applicable) and/or policy wording before deciding.
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