Florida Claims Adjuster (6-20) Practice Test 2026 - Free Claims Adjuster Practice Questions and Study Guide

The key idea here is who pays the adjuster and who they represent. A Fee Adjuster is typically an independent adjuster who contracts with insurance companies rather than being a salaried employee of one company. They provide services on a fee-for-service basis and can work for multiple insurers, handling claims for different clients as needed. This setup distinguishes them from staff adjusters, who are salaried employees under insurer supervision, and from public adjusters, who are usually self-employed but Advocate for the insured. So describing the role as offering services on a fee-for-service basis and representing many insurers correctly captures what a Fee Adjuster is.