Staying Safe in the Field: Safety Tips for Adjusters
Being an independent insurance adjuster isn’t your typical desk job. You’re out in the field, inspecting storm-damaged homes, navigating unfamiliar neighborhoods, and sometimes even stepping into hazardous environments.
While the work is rewarding, it comes with risks. In fact, a 2023 study found that nearly 35% of insurance adjusters reported experiencing a safety-related incident on the job.
Your safety should always come first. Here’s how you can protect yourself while staying efficient in the field.
1. Stay Aware of Your Surroundings
Before stepping onto any property, take a few seconds to scan your environment:
✔️ Are there downed power lines?
✔️ Is the structure unstable?
✔️ Do you notice any suspicious activity nearby?
If something doesn’t feel right, trust your instincts. Avoid entering a property if it looks unsafe, and don’t hesitate to reschedule or request backup if needed.
2. Dress for Safety and Comfort
The right gear can prevent injuries. Keep these essentials in your vehicle:
Slip-resistant boots – Wet floors, loose debris, and unstable ground can cause falls.
Gloves and a hard hat – Essential for storm-damaged homes or construction sites.
High-visibility vest – Helps keep you noticeable in high-traffic areas.
Weather-appropriate clothing – Heat exhaustion and hypothermia are real risks.
A little preparation goes a long way in keeping you comfortable and protected.
3. Be Cautious in Unfamiliar Neighborhoods
Not all job sites are in safe areas. Before heading out:
Check crime rates in the neighborhood.
Schedule inspections during daylight hours whenever possible.
Park in visible, well-lit areas to reduce the risk of theft.
Also, avoid posting your location on social media while in the field—it could make you a target.
4. Have a Communication Plan
Before heading to a job site, let someone know your schedule and expected return time. If you’re working in a remote area, check in regularly with a colleague or family member.
Always carry a fully charged phone, and if you’re in a disaster zone with poor signal, consider using a satellite phone or two-way radio as a backup.
5. Watch Out for Aggressive Pets & People
Not everyone will be happy to see you. Some homeowners may be stressed or frustrated, especially after a major loss. Stay professional and de-escalate tense situations when needed. If you ever feel unsafe, leave immediately and report the incident.
And don’t forget about pets! Always ask if there are dogs on the property before entering. Even a normally friendly dog can become aggressive in stressful situations.
6. Stay Alert to Scams & Fraud
Disaster zones can attract scammers posing as contractors or making fraudulent claims. Be cautious of anyone who:
🚩 Pressures you to approve a claim quickly.
🚩 Tries to influence your report with incomplete or false information.
🚩 Offers unsolicited “help” in exchange for something.
If something doesn’t feel right, document everything and report it to your supervisor.
7. Take Care of Yourself – Physically & Mentally
Adjusting isn’t just physically demanding—it’s mentally exhausting too. Seeing people in crisis daily can take a toll.
✔️ Stay hydrated and take breaks when needed.
✔️ Get enough rest to stay sharp in the field.
✔️ Talk to peers or professionals if the emotional weight of the job becomes overwhelming.
Remember: You can’t help others if you’re running on empty.
Being an adjuster means facing unpredictable environments—but with the right precautions, you can stay safe while doing your job effectively.
By staying aware, prepared, and proactive, you can minimize risks and focus on what matters most: helping people recover.
Stay safe out there!