What is the primary responsibility of an insurance adjuster?

The primary responsibility of an insurance adjuster is to evaluate and settle insurance claims. This encompasses a range of tasks that includes investigating the circumstances surrounding a claim, assessing the damages or losses, gathering relevant evidence, and determining the insurer's liability. The adjuster acts as a liaison between the insurance company and the policyholder, ensuring that the claim process is fair and adheres to the insurance policy terms.

The evaluation aspect involves critically examining the details of each claim, which may include interviewing witnesses, analyzing documentation, and considering applicable laws and regulations. Once the evaluation is complete, the adjuster utilizes their findings to negotiate a settlement that is fair for both the insurer and the policyholder, based on the determined liability and damages.

This role does not include providing legal advice, which falls outside the scope of an adjuster's responsibilities and is generally reserved for licensed attorneys. Similarly, while collecting premiums is a necessary function of the insurance business, it is not a direct responsibility of adjusters who focus specifically on the claims process.