What is the primary role of an insurance adjuster?

The primary role of an insurance adjuster is to evaluate and assess claims. This involves investigating the details of a claim, including the circumstances surrounding the loss, the extent of the damage, and the validity of the claim under the terms of the insurance policy. Adjusters gather necessary evidence, such as statements from witnesses, photographs of the damage, and documentation of expenses related to the claim. Their assessment is crucial in determining how much the insurance company should pay the policyholder for their loss.

In the context of insurance processes, handling customer service inquiries is typically not the main focus of an adjuster's role; customer service representatives usually manage those communications. Additionally, selling insurance policies falls under the responsibilities of insurance agents rather than adjusters, who work after a policy is purchased to resolve claims. While an understanding of legal terminology and procedure is important for adjusters, they do not provide legal advice; rather, they operate within the framework of established insurance regulations and policy terms to ensure fair and accurate settlements for claims.