What Is Loss Adjuster?

What Does a Loss Adjuster Do?

A loss adjuster (sometimes called a loss assessor) is engaged by the insurance company to independently evaluate your claim. They act as the insurer's eyes and ears — visiting the property, inspecting the damage, determining the cause of loss, and recommending a repair scope and cost.

Loss adjusters are typically appointed for larger or more complex claims — those involving significant structural damage, disputed cause of loss, or high-value properties. For straightforward claims, the insurer may rely on builder assessments or desktop reviews instead.

The Loss Adjuster Process

• •The loss adjuster contacts you to arrange an inspection of the damaged property.
• •During the inspection, they document the damage, take photographs, and ask questions about the event.
• •They may engage specialists — engineers, hygienists, electricians — to assess specific aspects of the damage.
• •A report is prepared for the insurer recommending the claim outcome, repair scope, and estimated cost.
• •The insurer uses this report to make their claim decision.

Your Rights When Dealing with Loss Adjusters

You are entitled to be present during the inspection and to point out all areas of damage. You can also have a representative present — including your appointed builder. If you disagree with the loss adjuster's findings, you can request an internal review through your insurer or escalate to the Australian Financial Complaints Authority (AFCA).

How Oxide Handles This

At Oxide Construct, our technology-driven approach to insurance repair means loss adjuster is handled transparently. Track your claim in real-time through our platform, with a dedicated assessor as your single point of contact throughout the process.

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