What does an adjuster determine when settling a claim for property damage?

When settling a claim for property damage, the adjuster's primary role is to assess and determine the total damages necessary to restore the property to its pre-loss condition. This involves evaluating the extent of the damage, estimating repair costs, and ensuring that the calculations account for both the materials and labor required for restoration. The goal is to ensure that the insured is compensated fairly and adequately for their loss, so they can repair or replace their property as needed.

The focus is on accurately assessing the physical damages rather than exploring legal ramifications, setting charges for the insured, or determining their level of responsibility for the damages. These aspects may play a role in the overall insurance process but are not the adjuster's main responsibility in the claim settlement process.