The Canadian Independent Adjusters' Association is an organization that represents the independent adjusters to the public, industry and the government. Adjusters are regulated by the individual provincial adjuster councils.

When you have a claim it will be assigned to one of the insurance company's employees who is a licensed adjuster or it could be assigned to an independent adjuster. This independent will report to the company adjuster. So the final decisions do still come from your own insurance company.

Adjusters are to be fair, courteous and respectful in their dealings with you. If you have any questions or concerns do ask your agent or broker. They often can be helpful with communication difficulties.

When you finally have a claim you will find out how well you have put your insurance together. Be sure to take control and know in advance what you are now self-insuring and will have to pay for out-of-pocket.