Catastrophe Adjuster
An independent adjuster deployed to disaster areas after major weather events to handle the surge in insurance claims. CAT adjusters work on contract for insurance carriers during catastrophic events.
What Is a Catastrophe Adjuster
A catastrophe adjuster (CAT adjuster) is an independent insurance adjuster deployed to disaster-affected areas to handle the surge of property damage claims after a major weather event. CAT adjusters are contracted by carriers to supplement their regular claims staff during high-volume periods.
How CAT Deployment Works
After a declared catastrophe (hurricane, major hail event, tornado outbreak, wildfire), carriers activate their CAT response plans. Independent adjusting firms deploy teams of adjusters to the affected area. These adjusters are assigned claim files and conduct inspections, often handling dozens of claims per day in the initial response phase.
Working with CAT Adjusters
CAT adjusters work under tight time pressure and may not know local construction practices or pricing as well as a local staff adjuster. Being prepared with clear documentation, organized photos, and a professional-grade estimate helps ensure the initial scope is complete. If items are missed, supplements can be filed after the initial inspection.
Frequently asked questions
A CAT (catastrophe) adjuster is an independent adjuster who deploys to areas hit by hurricanes, tornadoes, hail storms, wildfires, or other widespread disasters. They handle the surge of claims that the carrier's staff adjusters cannot process alone.
CAT adjusters are independent contractors, not carrier employees. They are deployed temporarily for specific events, often handle higher claim volumes, and may have less familiarity with local pricing and construction practices than local staff adjusters.
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