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What does the insurer do once the fire is out? Normally, the property loss notice is submitted by the insured as soon as possible to begin the adjustment process, collect for damages, and get life back in order. The insurer takes this information and relates it to the adjuster, who then investigates and settles the claim. In fire losses, many times the adjuster will seek the services of a fire investigator or other expert to assist in determining the cause of loss so he or she can make an informed decision as to how to proceed with adjusting the claim. But the expert assigned to a certain loss can make all the difference in the world in how a claim is settled and whether there is an avenue for recovery of insurance funds or protection in potential liability claims.