What is the primary function of an independent adjuster in the insurance claim process?

The primary function of an independent adjuster in the insurance claim process is to evaluate claims independently on behalf of insurance companies. Independent adjusters are typically hired by insurers to assess the validity of claims. They investigate the claims made by policyholders, gather evidence, and determine the extent of the insurance company's liability.

By providing an impartial assessment, independent adjusters help ensure that claims are handled fairly and efficiently. Their evaluations aid in the decision-making process for insurance companies when it comes to approving or denying claims. This role is crucial for maintaining objectivity and integrity within the claims handling process, as they are not biased toward either the insurer or the insured.

The other options describe roles that do not align with the specific duties of an independent adjuster. While selling insurance policies, representing policyholders in disputes, and providing legal advice are important functions in the broader insurance industry, they fall under different responsibilities that are not part of an independent adjuster’s role.