What is the primary role of an adjuster?

The primary role of an adjuster is to investigate and negotiate settlements of claims. This function is critical in the insurance industry because adjusters are responsible for evaluating the circumstances surrounding a claim. They gather evidence, interview witnesses, assess damages, and ultimately determine the validity of a claim. This process ensures that claims are settled fairly and in accordance with the policy terms, protecting both the interests of the insured and the insurer.

Adjusters also play a vital role in facilitating communication between the insurance company and the policyholder. By effectively negotiating settlements, they help resolve disputes and expedite the claims process, making it less stressful for those involved. This role is essential for maintaining trust in the insurance system, as it ensures that claims are handled promptly and equitably.

In contrast, selling insurance policies, assessing premiums, and advising clients on insurance needs are roles typically associated with agents or brokers rather than adjusters. These other roles focus on different aspects of the insurance process rather than the claims adjustment process.