A loss adjuster or accident investigator is an individual, who has a specific scientific or technical knowledge and he is employed to investigate a situation, to give his opinion and to assess the extent of damage and cost recovery.
The services provided by the loss adjuster address to insurance companies, insurance agencies, organizations, entities, private or public law and private individuals.Specifically, the loss adjuster is the most important partner of insurance companies. He is the one who comes into contact with the victim or the repairer to assess a claim. As a technical consultant he must investigate to some extent the causes of a damage, as well as, to record, monitor and evaluate the actual cost of the damage.
The main features that a loss adjuster should have, are: accountability and professionalism, as well as, scientific expertise and training session. The specialization of an expert is necessary. Specialization is obtained with the training in the subject and particularly with the experience.
The work of the loss adjuster is facilitated not only by the modern equipment, but also by the modern methods of assessing a damage. These modern systems help the loss adjuster to assess a damage better and more merit-based. Note that these programs cannot replace the expert in any way, instead they impose and strengthen his role.
Loss adjuster’s report is independent evidence, which is freely estimated by the court. The loss adjuster responds in detail on existing or potential hazards; in the same vain he tries to prevent or undertake them, clarifying the detail of any possible damage that may result in any insured property.
The work of the loss adjuster differs from the empirical estimation, because of the scientific training and aspect ratios.