Insurance adjusters investigate insurance claims to determine the legitimacy and value of claims and recommend settlements. There are three categories of insurance adjusters:

• Company adjusters (often referred to as simply the "insurance adjuster") are employed by the insurance company.

• Independent adjusters work for various insurance companies an independent agents rather than employees.

• Public adjusters work for policyholders rather than insurance companies. They negotiate with insurers on behalf of policyholders and receive a portion of a claims settlement.