Clarity in the Chaos. Confidence in Every Outcome.
Everything your desk needs. Nothing it has to chase.
Experienced people, disciplined process, and technology that supports the work without getting in your way — trusted by insurance carriers for independent claims adjusting since 2008.
2008
Serving carriers with full claim handling services since 2008
< 24 hrs
Avg time to first policyholder contact
Same-day
Report turnaround on qualifying standard assignments
Nationwide
Full claims adjusting coverage across the Lower 48
Assign your way.
We're already set up for it.
Assign through the channel that fits your desk. No new portal, no new workflow.
XactAnalysis
Direct assignment through the platform your desk already runs on.
Email intake
Send assignments to our intake team — individually or in batches.
Online assignment
Assign a claim directly on this site, any time.
Cotality
Send assignments straight from your cotality claims workflow.
Full claim handling.
Structured field inspections.
Carriers assign work to us under two service tracks. Each assignment is designated at intake and handled under the same operational standard.
Every file, on an SLA clock.
SLA Monitor
On Track
On Track
Flagged Early
On Track
Risk is flagged before it breaches, and every file is QA-checked before it reaches your desk
Every Claim. Every Milestone. Always on SLA.
Track every file from first contact through QA review with milestone-based workflows, real-time SLA monitoring, and complete visibility at every stage.
Full Claim Handling
Claim Handling Process
Comprehensive full claim handling services — from intake and initial contact to final carrier-ready report and settlement support.
Structured Field Inspections
Field Inspection Process
High-fidelity data collection from the field through our structured field inspection services. Precise documentation, photos, and measurements delivered to your desk.
Catastrophe Response. Surge capacity, same standard.
Surge or daily volume, the standard stays the same. Our catastrophe claims adjusting scales capacity fast and holds every file to one operational standard.
Full Claim Handling
Comprehensive claim lifecycle management, from intake and initial contact to final carrier-ready report and settlement support.
Learn More
Structured Field Inspections
High-fidelity data collection from the field. Precise documentation, photos, and measurements delivered to your desk for internal adjusting.
Learn MoreMore than a vendor.
An operational partner.
Four outcomes carriers feel across assignments – and one your policyholders feel too.
Reduced LAE
Deployment matched to what the file actually needs.
- Inspection-only assignments when full handling isn’t required.
- Assignment type matched to file complexity
Desk efficiency
Cleaner files with fewer items to chase.
- Photos, report, and estimate built to support one narrative.
- Fewer desk adjuster touches per file.
Faster cycle times
Assignment to carrier-ready report, without the delays.
- Same-day report turnaround on qualifying standard assignments.
- First-touch protocols designed to reduce avoidable supplements.
Policyholder experience
Your insured experiences your brand through us. We treat it that way.
- Professional, communicative field presence on every assignment.
- Proactive contact standards from first touch to close.
Three pillars. One operational standard.
Each assignment is managed through the same operating foundation:
experienced people, defined process, and supporting technology.
Expertise. Judgment. Accountability.
Experienced adjusters and inspectors who understand property damage – field credibility built over careers, not data collectors following a checklist.
- Experienced
- Empowered
- Accountable
Structure. Discipline. Consistency.
Operational workflows and field protocols that deliver consistent output across adjusters, inspectors, and geographies. Process is what makes field expertise scalable.
- Structured
- Scalable
- Repeatable
Intelligence. Integration. Insight.
Tools that improve visibility, reduce desk friction, and deliver structured outputs carriers can act on. Technology earns its place by delivering outcomes — not by defining the company.
- Intelligent
- Integrated
- Insightful
Industry perspective. From the field.
The CAT Season Readiness Playbook
What carriers should pressure-test before storm season — deployment capacity, documentation standards under surge, and the first-touch protocols that decide whether a CAT file moves or stalls.
Surge capacity — the questions to ask before the event.
Thorough first-touch documentation that reduces avoidable supplements.
Right-sizing deployment: full handling vs. inspection-only.
What your desk should expect from a field partner.
Frequently Asked Questions
Everything your adjusting desk needs to know about dispatching, security, and our nationwide field operations standard.
01 What does an independent adjusting (IA) company do?
An independent adjusting company handles insurance claims on behalf of carriers — investigating losses, inspecting damage, documenting findings, and delivering carrier-ready reports. As an independent insurance adjusting firm, Aspen has served carriers nationwide since 2008 across two service tracks: full claim handling and structured field inspection services. Each assignment is designated at intake and handled under the same operational standard, so carriers know exactly what they’re getting on every file.
02 How do insurance carriers outsource claims handling?
Insurance carriers outsource claims handling to independent claims adjuster companies for capacity, geographic reach, or specialized handling. Outsourced claims adjusting typically takes one of two forms: full claim handling, where the independent adjusting firm manages the file from first contact through carrier-ready delivery, or structured field inspection services, where the carrier keeps coverage and estimating in-house and the field partner delivers a documented report. Carriers assign work to Aspen through XactAnalysis, email intake, or online assignment on this site – no new portal, no new workflow.
03 What's the difference between full claim handling and a field inspection?
Full claim handling services cover the entire file – contact, inspection, estimating, documentation, and QA-reviewed delivery to the carrier desk. Structured field inspection services are narrower: the independent claims adjuster inspects the property, documents the damage, and delivers a structured report, while the carrier retains coverage and estimating in-house. Aspen delivers both under one operational standard, and each assignment is designated at intake so the desk knows which track applies before the file moves.
04 How to reduce loss adjustment expense with an independent adjuster
The most direct way to reduce loss adjustment expense (LAE) with an independent claims adjuster is to match deployment to what the file actually needs. Full claim handling for files that require end-to-end management; inspection-only assignments when full handling isn’t required. Cleaner files with fewer desk adjuster touches, first-touch protocols designed to reduce avoidable supplements, and same-day report turnaround on qualifying standard assignments all contribute to lower LAE over time. Working with a trusted carrier partner whose file discipline holds under volume matters more than working with the cheapest option – the total cost shows up in supplements, reopens, and desk rework, not just the invoice
05 What makes Aspen a national independent adjusting company?
Aspen is a nationwide independent adjusting company providing insurance claims adjusting services across the lower 48 states. Since 2008, carriers have relied on our field coverage, one dedicated point of contact per account, and consistent operational standards regardless of geography. Whether the assignment is a single daily file or surge volume during a catastrophe event, an Aspen independent insurance claims adjuster delivers to the same standard – that’s what makes us a trusted carrier partner rather than a rotating vendor.
06 Does Aspen provide catastrophe response and CAT claims adjuster services?
Yes. When a catastrophe event hits, Aspen is ready to mobilize quickly – with centralized dispatch, experienced field teams, and documentation quality that holds under volume. CAT assignments are handled under the same operational standard as daily work, delivered by the same independent claims adjuster network we deploy year-round. CAT engagement typically begins with a direct conversation rather than a form. To discuss CAT capacity, get in touch through the CAT Response link.
