that coverage applies through an insurance policy, investigate liability for the damages caused, and make compensation to the injured person based on their emotional or physical property damages. Specific duties include: Notifying the insurer of a covered loss as defined under the policy of insurance Responding to claims in a timely manner Filing paperwork Communicating with policyholders Investigating liability Assessing damages Researching, detailing, and substantiating each aspect of the claim, including building damage, contents, and extra living expense claims Preparing a detailed damages report based on monthly updated insurance cost software for the purpose of making an offer of settlement to the insured If needed for specialty cost coding, negotiating with product/service providers on time and cost of repairs for the purpose of making an offer of settlement to the insured Ensuring accurate procedures Protecting the interest of the insurance company the adjuster represents when dealing with claimants Maintaining computer skills with a high degree of proficiency Some states now require adjusters to disclose to claimants whose interest specifically independent, staff, and public adjuster represent before they proceed with the policyholder. Local chapters of licensed public insurance adjusters or state agencies maintain records of adjusters, which can be checked to ensure that an adjuster is properly licensed and in good standing. National chapters include the American Association of Public Insurance Adjusters and the National Association of Public Insurance Adjusters. Some states also have state-level chapters, including the Florida Association of Public Insurance Adjusters. Some states accept the Associate of Claims designation and will waive the licensing examination and grant a license by the state insurance commission. Some insurance carriers and independent adjusting companies provide in-house training certified by the state insurance commission. They must be pre-approved by the licensing division. An adjuster license is issued to those who meet the requirements. Working conditions Claims adjusters work long hours including nights and weekends. Their work is appointment based and must revolve around the needs of clients. Staff adjusters are those who work for a specific insurance company and may have a team that works and travels together to different parts of the country. Adjusters should become familiar with the reimbursement rules for each company with whom they work and track all expenses used in the line of work. Computer skills are essential, including keyboard skills, as most insurance companies produce and store estimates and other documents digitally, using laptop computers, mobile