What distinguishes a staff adjuster from an independent adjuster?

A staff adjuster is employed directly by an insurance company, which means they are on the payroll of that specific insurer. This employment relationship allows the insurance company to direct their work, ensuring they align with the company's policies and procedures when handling claims. Staff adjusters often work exclusively for one insurer and are responsible for investigating and settling claims on behalf of that company.

This distinction is crucial for understanding how the insurance claims process works and highlights the difference between staff and independent adjusters. In contrast to the staff adjuster, an independent adjuster is typically a contractor who may work for multiple insurance companies, providing them with more flexibility and the ability to manage a diverse range of claims. Independent adjusters are often called upon when a staff adjuster is unable to handle a claim due to high volume or specialized circumstances, or when the insurance company seeks an unbiased review.

The other options provided do not accurately describe the relationship of these adjusters to insurance companies or misrepresent their roles.