What is an insurance adjuster?
The carrier’s representative who inspects the damage and writes the estimate that determines what the claim pays.
An insurance adjuster works for the carrier. They come out to inspect the roof, decide what damage is covered, and write the scope of loss that sets the claim amount. There are staff adjusters, independent adjusters, and field adjusters, but they all represent the insurance company’s interests.
Because the adjuster controls the first estimate, the adjuster meeting matters. Showing up with your own measurements, photos, and a clear list of damage gets more written into the scope on the first pass.
Adjusters aren’t the enemy, but they’re not on your side either. A good working relationship plus solid documentation is how you get a fair scope without a fight.