What is the main role of an insurance adjuster?

The main role of an insurance adjuster is to evaluate and settle claims. This involves investigating the details surrounding a claim, which may include interviewing witnesses, reviewing police reports, assessing damages, and consulting with experts. The adjuster then determines the extent of the insurance company's liability based on the findings and the terms of the insurance policy.

This responsibility is crucial because it ensures that claims are handled fairly and promptly, allowing policyholders to receive the compensation they deserve for their losses. By accurately assessing claims, adjusters play a key role in maintaining the financial integrity of insurance companies while also ensuring customer satisfaction.

In contrast, selling insurance policies falls outside the responsibilities of an adjuster, as that task is typically assigned to agents or brokers. Regulating insurance companies is the purview of state insurance departments rather than adjusters, who focus primarily on individual claims rather than broader company practices. Providing legal counsel is also not within an adjuster's role; instead, they may work alongside legal professionals to carry out their responsibilities effectively.