West Virginia Adjusters Practice Exam

The correct type of insurance claims adjuster who works directly for the insurance company is the staff adjuster. Staff adjusters are employees of the insurance company and are responsible for investigating claims, assessing damages, and determining the amount the insurer should pay. Their allegiance is to the insurer, and they operate within the guidelines and policies set by their employer. Independent adjusters, on the other hand, operate as third-party contractors who handle claims for multiple insurance companies. Public adjusters represent the policyholders and advocate on their behalf to ensure they receive fair settlements. Temporary adjusters are typically hired for short periods, often to manage claims surges, but they may be filling in for staff adjusters or working independently. Therefore, the distinction between these roles highlights why staff adjusters are the ones who are directly affiliated with the insurance companies they represent.