Adjustor and contractor roles are clearly defined and should be adhered to argues executive

Published: July 31, 2018



When a catastrophe occurs, it is best for customers if loss adjusters and contractors stick to their defined roles when working to manage a loss. That’s according to Jim Eso, senior vice president of property and casualty with Crawford and Company (Canada) Inc.

Speaking to Canadian Underwriter this week, Eso said the roles contractors and adjustors play are clearly defined according to regulations in each province. When a catastrophe occurs, Eso says the roles often become stretched and even blurred and this can lead to confusion for the policyholder:

“Adjusters investigate and settle claims based on interpretation of coverage, while contractors assist in evaluating the amount of the claim and executing necessary repairs.”

Chris Schmidt, CEO of restoration firm DKI Canada weighed in on the debate by saying contractors are in an agreement with homeowners and not insurers. This means the work can be carried out without or without insurance:

“If an adjuster is out there to investigate, evaluate, negotiate and settle a claim, then a restoration contractor is out there to communicate, create an estimate that is reasonable and reflective of the work that is required…and, if selected by the homeowner, to complete the work,” Schmidt said.