A claims adjuster who provides services on a contract basis to insurance
companies, self-insured firms, and governmental entities. Depending on the nature
of the claim being handled, billing can be on a time-and-expense basis, flat
fee-per-claim basis, or flat annual fee for all claims. Independent adjusters
are used when an insurer is overloaded with claims (often due to a catastrophe),
when a claim occurs in a remote locale, or when special expertise is required to
adjust a claim.
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