The answer to why an insurance company has appointed a loss adjuster is actually a fairly simple question to answer. For anyone, loss adjusters are appointed after there has been a claim made by you to your insurance company, who then brings the adjuster in to assess that validity of your claim. Basically, if you are in an automobile accident or any other kind of situation where you need to claim on your insurance, then an adjuster is brought in to use the proper technical and financial terms to figure out how much the insurance company is truly liable to cover.
For you, the consumer, it can be difficult to handle a loss adjuster, so the important thing to remember is that the loss adjusters arent there to help you, but rather to look at the interests of the insurance company employing them. So, that means you need to find a group who will assist you in helping to prepare your claim for the adjuster, because otherwise, that responsibility falls on you. The worst thing you can do for your own claim is to be unprepared when the adjuster arrives, so make sure that you find someone who can help you with that.
While it may seem like you can talk to your insurance broker about this claim in order to help you, the grim reality is that your broker is probably going to be very pressed for time as well and may not even have the expertise or the resources to truly assist you with trying to prepare your claim for the adjuster. Always look for professional assistance if you arent sure what to do, as there are plenty of groups out there who want to help you get the most of your claim, instead of letting the loss adjusters intimidate you into not getting you what you deserve. In the event that your claim is then rejected because of that loss adjuster, then you should immediately seek professional assistance, because there are also companies willing to help you get the money you deserve. The different companies out there tend to charge fees, but there are some out there who only want a percentage of your claim value. That way, they are just as invested in making sure you have just as much gain as they do and they will work as much as they can. Sometimes, claims can take a few months to process, but it might take even longer if you encounter problems, so by making sure that you hire professional assistance will really pay off in the long run. Quite a few times, working with a third party will actually get you more from your claim than what you would have received working alone.
Also, make sure that when you look at different groups to help you work with a loss adjuster that you see what exactly will happen in the event that you still lose, meaning that the insurance company establishes that no party is liable for the losses you receive. Some groups wont actually charge you anything at all and some still charge you a nominal fee for having used their services in the first place. Either way, make sure you are the one who does the checking.