What is the primary responsibility of an insurance adjuster?

The primary responsibility of an insurance adjuster is to investigate and evaluate claims. Adjusters play a crucial role in the claims process by assessing the circumstances of a claim, determining the validity of the claim, and estimating the amount of loss or damage. Their investigation may involve interviewing the policyholder, reviewing police reports, consulting with experts, and examining any relevant documents or physical evidence.

This role is essential for insurance companies to ensure that they pay legitimate claims while protecting themselves from fraudulent ones. The evaluation process helps in making informed decisions regarding claim payments and settlements, ensuring that both the policyholder’s and the insurer’s rights are respected.

Other options involve functions that are outside the scope of an adjuster's responsibility. Issuing insurance policies, managing premiums, and selling insurance products are typically the roles of agents or underwriters, who focus on different aspects of the insurance business.