Independent adjusters are professionals who assess insurance claims on behalf of insurance companies but are not directly employed by them. They evaluate the damage, gather evidence, and determine the amount the insurer should pay to the policyholder. This helps ensure an unbiased assessment of the claim. These adjusters often work on a contract basis, allowing them to handle claims for multiple insurance companies. Their expertise is valuable in complex situations, such as natural disasters or large losses, where a fair and thorough evaluation is crucial for both the insurer and the insured.