Claims Adjuster

A Claims Adjuster is a professional in the insurance industry responsible for investigating, evaluating, and settling insurance claims. In foreign trade, this term commonly appears in the claims process for cargo transportation insurance (e.g., marine or air insurance). When goods are lost or damaged during transit, the insured files a claim with the insurance company, which then assigns an adjuster to conduct an on-site survey, inspect the damage, review documents (e.g., bill of lading, invoice, packing list, insurance policy), and determine the cause, extent of loss, and compensation amount. The adjuster may be an in-house employee of the insurer or an independent adjuster. Usage scenarios include: exporters or importers claiming against insurers, freight forwarders assisting clients with cargo damage, and insurers commissioning survey firms for loss assessment. Note: The adjuster typically does not represent the insured's interests; their report is a key basis for the insurer's compensation. The insured should actively cooperate with the survey and retain all original documents and evidence of cargo condition. Difference from 'Surveyor': A surveyor focuses on inspection and appraisal, while an adjuster focuses on loss adjustment and settlement recommendations. Difference from 'Claims Agent': The latter is often the insurer's agent at a specific port, responsible for receiving claim documents, and may not personally conduct surveys.