鑑定人

A Loss Adjuster - if you hear this word, what would you think of this profession?

The profession of "Loss Adjuster" was born in Europe in 18th century.
Prior to this, the general insurance industry was said to have origins in the Great Fire of London started at the bakery on Pudding Lane in 1666 when 13,200 out of 15,000 houses within the city of London were destroyed. This incident created a demand for insurance in the London area and that demand led to its development. Initially, claimants would go to the insurance company office to "certify" their claims directly and later in the 18th century, the loss verification reports recorded was signed by a Church.

The Industrial Revolution started in England and spread out to other Western countries; number of factories had been built and the number of workers had also grown dramatically. The larger the size of factories and production capacity had become, the more business owners needed the insurance coverage to protect their assets. Naturally, the market started to seek the experts to assess proper insurance amount of loss. Under such condition, the early stage of "Loss Adjusters" were born and after that they were restricted to those who have adequate qualification. In Japan, general insurance companies had also been founded and the Uchiyama Loss Adjusting Co., Ltd. was established in 1935.

To briefly explain about what a loss adjuster does as work, he/she is "acting as an intermediary between a general insurance company and an insured (or a policy holder), a loss adjuster works on assessing the fair and reasonable loss amount with impartiality. For example, loss adjusters "assess" a loss of the property such as buildings and offices that had been damaged by a disaster like fire, water damage, typhoon and earthquake, etc. for ‘how much they actually have suffered the loss.’

There is a variety of the subject matters of insurance that loss adjusters deal with and the loss value are determined depends on when and where it did happen, therefore, the loss adjuster needs to have the ability of good judgment, which should be made with good knowledge and experience and career for each claim.




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