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The adjuster undertakes an investigation of every single claim, typically in close cooperation with the insured, determines if coverage is available below the terms of the insurance contract, and if so, the affordable monetary value of the claim, and authorizes payment. Within this variety, you must make a choice about a minimum settlement amount that you will accept prior to speaking to an insurance adjuster about your demand letter. Reinsurance is a type of insurance bought by insurance companies or self-insured employers to defend against unexpected losses.