What is the primary role of an insurance adjuster?

The primary role of an insurance adjuster is to investigate and evaluate insurance claims. This involves assessing the validity of a claim, gathering evidence such as statements from the claimant and witnesses, examining the scene of an incident, and analyzing the terms of the insurance policy to determine coverage. The adjuster acts as a liaison between the insurance company and the policyholder, ensuring that claims are settled fairly and in accordance with the policy stipulations.

Insurance adjusters play a critical role in the claims process, as they help determine the amount that the insurer is liable to pay for a covered loss based on their findings. Their expertise can significantly influence whether a claim is accepted or denied and how much compensation is ultimately provided.

While selling insurance policies is the responsibility of agents, developing insurance products falls under the purview of product development teams within insurance companies, and providing financial advice is typically handled by financial advisors rather than adjusters. Thus, the focus of an adjuster's work is distinctly on investigations and evaluations related to claims.