What is the primary role of a claims adjuster?

The primary role of a claims adjuster is to investigate and evaluate the validity and value of an insurance claim. This involves assessing the details of the claim, gathering information from various sources, including the insured, witnesses, and police reports, if applicable. The claims adjuster applies their knowledge of insurance policies and relevant regulations to determine whether the claim is valid and how much should be paid under the policy terms. This is a critical function in the insurance industry, as it ensures that claims are handled fairly and efficiently, aligning with the policyholder's coverage while also protecting the insurer from fraudulent claims.