What document must an adjuster possess to legally adjust claims?

An adjuster must possess a valid adjuster license to legally adjust claims. This license is a regulatory requirement that ensures that the adjuster has met the necessary educational and ethical standards set forth by the state’s insurance department. Obtaining this license typically involves completing specific coursework and passing an examination that tests knowledge of insurance laws, claims processes, and ethical practices in the insurance industry.

Having a valid adjuster license directly legitimizes the adjuster's ability to engage in the adjustment of claims, protecting the interests of both the insured and the insurance company. This licensing process also provides a level of consumer protection, ensuring that individuals who perform adjustments are knowledgeable and qualified to do so.

While certificates of completion, insurance policies, and bonds of liability may be relevant to the insurance profession, they do not fulfill the requirement necessary for an adjuster to legally perform their duties in adjusting claims. The license is the critical document that grants the authority to operate as an adjuster in compliance with state regulations.