North Carolina Adjuster Practice Exam

What type of adjuster is independent and works for multiple insurance companies?

1. Independent adjuster

2. Public adjuster

3. Staff adjuster

4. Field adjuster

The correct answer is: Independent adjuster

An independent adjuster operates on a contractual basis and is not tied to any single insurance company. They are hired by various insurers to assess claims, which allows them the flexibility to work across multiple companies. This role is distinct because independent adjusters often have a broad range of experience with different types of claims and can provide a fresh perspective when evaluating a loss. On the other hand, a public adjuster represents the policyholder and advocates on their behalf in the claims process, which is different from the role of an independent adjuster. Staff adjusters are employed directly by an insurance company and handle claims exclusively for that company. Field adjusters typically work with clients on-site to evaluate damages but are not necessarily independent, as they may be affiliated with a specific insurance carrier or company. Thus, the role of an independent adjuster is unique in that it allows for representation of multiple companies, making them the correct answer.