Which type of adjuster is typically hired by the insurance company?

A company adjuster is typically hired by the insurance company to handle claims. This type of adjuster is an employee of the insurer and is tasked with investigating claims on behalf of the company. Their primary responsibility is to assess the validity of claims, evaluate damages, and determine the appropriate amount that the insurance company should pay for a claim based on the policy terms.

In this role, company adjusters work directly with the company's interests in mind, often aligning closely with the insurer's policies and protocols for handling claims. They are trained professionals who understand the intricacies of both the insurance policies and the legal obligations of the insurer, allowing them to make informed decisions on claims processing.

This contrasts with the other roles mentioned. Independent adjusters operate as third-party contractors who can represent the insurer or the insured, while public adjusters advocate for the policyholders and work on their behalf, ensuring that they receive a fair settlement from their insurance companies. Claims representatives may also handle customer service and manage the claims process, but they are not always involved in the detailed assessment needed for determining claim payouts as adjusters do.