An independent claims adjuster is either self-employed, or works for an independent claims adjusting company. Independent adjusters do not work directly for any insurance company in particular, but they are hired by insurance companies to negotiate and adjust claims on their behalf. Independent adjusters are advocates for the insurance company, not for the insured. A couple states, such as Florida and Texas, have licensing courses for independent adjusters, however most states do not require a license for independent adjusters or insurance adjusters. Insurance companies usually hire independent adjusters when they have an overflow of claims due to a widespread weather event and they do not have enough of their own staff adjusters to handle the volume of claims coming in at a rapid pace.