West Virginia Adjusters Practice Exam 2026 - Free Adjuster License Practice Questions and Study Guide

The role of a staff adjuster is to work directly for an insurance company as an employee. This type of adjuster typically handles claims for that particular insurer, following company protocols and guidelines. Staff adjusters have a vested interest in their employer's policies and often have in-depth knowledge of the company’s products, which allows them to effectively assess and settle claims based on the company's criteria.

In contrast, public adjusters represent policyholders and work on their behalf, aiming to negotiate the best settlement for their clients. Independent adjusters, on the other hand, are contracted by insurance companies or third-party entities to investigate and adjust claims but do not work as direct employees. Consulting adjusters provide expertise and analysis but do not handle claims directly for either party. Understanding these distinctions highlights why the staff adjuster is specifically associated with employment within an insurance company.