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This question is about what a claims representative does and claims representative.
Is a claims rep the same as an adjuster?
Yes, a claims rep is the same as an adjuster. Depending on the insurance company they work for, their job title might be Claims Representative, Claims Specialist, Claims Examiner, or Claims Investigator. But as a group, these claims professionals are commonly referred to as "claims adjusters."
A claims rep or claim adjuster is responsible for processing, analyzing, and negotiating your insurance claim. You might also hear them called claims examiners or consultants. The claims rep serves an extremely important role in your insurance case and is the go-between for you and the insurance company when you have a claim.
They inspect your claim after the adjuster submits it and decide whether to authorize it or deny it. A claims rep may also determine that a claim needs more investigation before making a decision.
Inside adjusters typically handle small property claims from the office. As many reported homeowner claims have only minor damage, inside adjusters settle a high volume of cases each month. These claims don't usually require complicated investigations, so they review coverage, then make contacts by phone and mail to develop the information.
Whereas an outside adjuster is someone who assesses property damage when it is major -- or when there are coverage issues -- the insurance company will likely assign it to an outside representative for on-site investigation.
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