What is a weather catastrophe claims adjuster?
Short answer. A weather catastrophe (CAT) claims adjuster is a field adjuster, usually independent, who travels to an area after a major hail, wind or hurricane event to handle the surge of claims for one or more insurers. They work fast and temporarily, so homeowners should expect quick inspections, possible handoffs to new adjusters, and the need to keep their own complete records.
How catastrophe adjusting works
Insurers staff for normal claim volume. When a catastrophe hits, they call independent adjusting firms that deploy adjusters from around the country, often for weeks at a time, commonly paid per claim or by the day. Many hold licenses in several states. They are trained on the carrier's guidelines and estimating software, but may not know local building practices, permit rules or how Georgia storms typically damage roofs.
What it means for your claim
- Speed. A CAT adjuster may handle many claims a day, so inspections can be brief.
- Handoffs. When the deployment ends, your file may move to a new adjuster or a desk examiner, and verbal promises can get lost.
- Local items. Requirements your city or county enforces, such as drip edge, may need to be pointed out.
How to stay ahead
- Get the adjuster's name, firm and contact details along with the insurer's claim number.
- Confirm every conversation by email.
- Keep your own photo record and your roofer's inspection report.
- Request the full written estimate before the adjuster leaves the area.
- Send missing items as a documented supplement.
How code required items are paid is explained in code upgrades and ordinance or law coverage, and the overall sequence in the Georgia roof claim timeline.