Which type of loss would typically require a contracted adjuster for evaluation?

A contracted adjuster is typically needed for evaluating major losses due to the complexity and scale associated with such claims. Major losses often involve significant financial impacts, intricate damages, or widespread destruction, making them more challenging to assess accurately. A contracted adjuster possesses the specialized skills and resources necessary to investigate these larger claims thoroughly, evaluate the extent of damage, and determine the appropriate compensation amounts. Their expertise facilitates a detailed and impartial assessment, which is crucial for both the insurer and the policyholder in navigating the claims process.

This specialized evaluation is not as critical for minor repairs, which can often be assessed without extensive investigation. Indirect losses, while significant, generally relate to economic impacts from direct losses rather than physical damages needing detailed assessment. Direct losses also vary widely in severity, but they do not inherently demand the same level of specialized evaluation that major losses do. Therefore, major losses are the category most likely to necessitate the services of a contracted adjuster to ensure a fair and comprehensive evaluation.