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ARTICLE · 08 MAY 2025

What Are The Obligations Of An Insurance Adjuster?

Watson Goepel LLP
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Robert Powell and Anastase Maragos explain the obligations of an insurance adjuster: to act fairly, explain your coverage, and follow the law.

CanadaInsurance
Robert D. Powell
Robert D. Powell
Anastase E. Maragos
Anastase E. Maragos
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An insurance adjuster is the bridge between you and your insurance policy. Adjusting is either done by an independent adjuster or an in-house adjuster who works directly for the insurance company. In either case, for most people an insurance adjuster will be the person responsible for explaining what your insurance policy is and what it covers.

Insurance adjusters are obligated to act with a certain standard of professionalism, and with certain interests in mind. In general, an insurance adjuster is obligated to:

  1. Adhere to the policy terms and coverage afforded. This means they have to explain the limits of your policy, what is covered, and what is governed by any exclusions.

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