What is the Difference Between an Insurance Adjuster and a Lawyer?


You may have come across these terms: Insurance adjuster, settlement process lawyer, and insurance broker. Most people know what an insurance adjuster is when they see one. But, what is a lawyer? And why do you need a lawyer for your insurance claim or insurance dispute? This article answers those questions.

In case you are unaware, “insurance” means “a promise to pay, based on an agreed contract between an insurance company and a policyholder.” “client” means the individual who has requested or secured by the policy from the insurance company. Usually, this individual is a member of a class or group that has been awarded coverage by the insurance company. The insurer pays a regular fee every month, known as “premium,” to the client. Payment occurs either at the time of the claim or after the policy expires.

Insurance adjusters are independent professionals who are hired by clients or policyholders to review claims. They are responsible for investigating and verifying claims and investigating the validity of the insurance claim. An insurance adjuster is not permitted to make a commitment or promise to a client or policyholder before he has done his research and investigation as required by law. He is legally allowed to make a recommendation to a client or policyholder on the validity of a claim after he has gathered all of the required information. If he determines that the claim is valid, then he is required by law to advise the client or policyholder of his findings. One of the top-rated adjusting firms in Ontario is National Fire Adjustment.

Insurance claims are subject to federal and state laws, and only an experienced insurance lawyer can help you navigate this often complex area of law. A good lawyer knows the rules and regulations for the particular state where the case will be filed and will be familiar with the various procedures that must be followed in each state. He will also be able to explain the implications of the laws to you, as well as provide you with advice and guidance based on experience in your specific situation.

Although the job of an insurance adjuster is slightly different than a lawyer, they are both necessary for you to receive a fair and just compensation. The laws are very complicated, and insurance adjusters must have access to important information in order to properly represent you in the court. Without a lawyer to guide them, they may find themselves making judgments or decisions about your insurance coverage that aren’t in your best interest.

In most states, there is a limit to the hours that an insurance adjuster can charge you. Check with your state’s laws to make sure that the company your insurance company chooses to represent you is licensed to practice in your state and that they follow all of the rules regarding licensing. Most importantly, however, is to ensure that they are licensed in order to provide the services they provide. There are a number of fly-by-night companies out there that don’t have the experience or training to handle the type of cases they are offering to you.

Another thing you need to be aware of when deciding whether or not to use an insurance adjuster to help you resolve your claims is their fee. Although this can seem like a trivial matter – a flat dollar amount that you pay your adjuster upfront for services rendered – this can actually be one of the most important factors to weighing your decision. Although it is true that many lawyers offer their clients a free initial consultation, they often increase this hourly rate if you don’t ultimately settle your case with them. This can add up significantly, and you could be paying more than you need to.

In conclusion, there really isn’t any difference between what is the difference between an insurance adjuster and a lawyer. Their job is basically the same, and they both have a duty to act with integrity and professionalism in all situations. You need to use caution when deciding which one you want to hire. If you’re unsure, simply conduct some research so you’re better informed about who you’re dealing with.

National Fire Adjustment Co.

1100 S Service Rd #222,

Stoney Creek, ON L8E 0C5