Choosing the right tools is critical for insurance adjusters to perform their work efficiently and professionally. The proper equipment ensures thorough inspections, accurate claims processing, and safety on the job. Below, we’ve outlined the 12 essential tools every adjuster should have, with recommendations to help you gear up.
12 must-have tools for insurance adjusters
Here’s a breakdown of the essential tools that every adjuster needs to succeed:
#1: Drone for inspections
Drones allow adjusters to inspect hard-to-reach areas like roofs and tall structures safely and efficiently. They provide high-resolution images and videos, reducing the need for physical climbs.
- Recommended option: DJI Mini 3 Pro – Lightweight, user-friendly, and equipped with excellent camera capabilities.
- Why you need it: Reduces safety risks, saves time, and provides clear aerial views of property damage.
#2: Moisture meter
A moisture meter is essential for detecting hidden water damage in walls, floors, and ceilings.
- Recommended option: Protimeter Surveymaster – Offers surface and depth readings for water detection.
- Why you need it: Ensures no water damage goes unnoticed, allowing for accurate claim assessments.
#3: Thermal imaging camera
Thermal cameras detect temperature differences, helping uncover issues like leaks, electrical hotspots, or insulation gaps.
- Recommended option: FLIR TG267 – Reliable and portable with sharp thermal imaging capabilities.
- Why you need it: Identifies hidden problems, adding professionalism and thoroughness to inspections.
#4: Measuring devices
Precise measurements are critical for accurate repair estimates. A combination of laser and tape measures ensures reliability.
- Recommended option: Hover –The only solution that eliminates the need to hand measure for both exteriors and interiors. Trusted by over 245,000 pros nationwide and 8 of the 10 top insurance carriers.
- Other options: Stanley FatMax Tape Measure – Perfect for longer measurements or Bosch GLM 50 C – Bluetooth-enabled for easy data transfer
#5: Digital camera
A dedicated digital camera provides high-resolution images to document property damage thoroughly.
- Recommended option: Nikon COOLPIX W300 – Rugged, waterproof, and reliable.
- Why you need it: Ensures clear visual documentation, critical for resolving claims efficiently.
#6: Inspection mirror
An inspection mirror helps adjusters view hard-to-access areas like crawl spaces or under vehicles.
- Recommended option: TEKTON Inspection Mirror – Extendable and lightweight for ease of use.
#7: Roof boots
Roof boots provide safety and stability when navigating steep or slippery surfaces during roof inspections.
- Recommended option: Cougar Paws Roofing Boots – Designed specifically for roof work with superior traction.
#8: Compact ladder
A portable and sturdy ladder is a must-have for reaching elevated areas safely.
- Recommended option: Xtend & Climb Pro Series – Compact, durable, and easy to store.
#9: Tool belt
A tool belt keeps essential items organized and within easy reach, saving time during inspections.
- Recommended option: BullyBag Ultra Pouch – Custom-designed for adjusters with compartments for all essential tools.
#10: Weatherproof notebook
A weatherproof notebook ensures your notes remain intact, even in adverse conditions.
- Recommended option: Rite in the Rain All-Weather Notebook – Durable and dependable for fieldwork.
#11: Safety gear
Essential safety equipment like gloves, glasses, and hard hats protect adjusters during inspections.
- Recommended option: 3M Safety Gear Kits – Comprehensive kits designed for various work environments.
#12: Claims management software
Specialized software simplifies claims documentation and communication, making the process faster and more efficient.
- Recommended option: Xactimate – Industry-standard estimating software.
- Bonus tool: Hover – Get accurate measurements and 3D models from just a few smartphone photos, speeding up your claims process and minimizing errors. Export to Xactimate and other claims softwares with our powerful integrations.
