What is the primary role of an insurance adjuster?

An insurance adjuster plays a crucial role in the claims process by assessing and settling insurance claims. This professional is responsible for investigating the circumstances surrounding a claim, which may include examining damage, interviewing involved parties, and reviewing relevant documents. The adjuster's main objective is to determine the validity of the claim and to establish an appropriate amount for the insurance payout based on the facts and applicable coverage.

The role does not involve selling insurance policies, which is the responsibility of agents or brokers. Additionally, adjusters do not provide legal defense for policyholders; that function is typically managed by attorneys, especially in the context of liability claims. Conducting risk assessments for new policies is another task suited for underwriters, not adjusters, who focus on claims that arise after a policy has been issued. Thus, evaluating and settling claims is indeed the primary function of an insurance adjuster.