What is the role of an adjuster in insurance?

The role of an adjuster in the insurance industry is primarily to investigate and settle insurance claims. This involves assessing the damage or loss, evaluating the circumstances surrounding the claim, and determining the amount that the insurance company should pay to the policyholder. Adjusters review policy details, gather evidence, and sometimes negotiate with various parties to ensure that claims are processed fairly and efficiently. Their expertise is crucial in resolving disputes and ensuring that claims are handled in accordance with policy terms and conditions.

The other roles defined in the options pertain to different aspects of the insurance field. Selling insurance policies falls under the responsibilities of insurance agents. Underwriting risks is the role of underwriters, who evaluate the risks associated with an insurance application and decide the terms and premiums. Consulting on insurance options is typically done by insurance brokers or advisors, who help clients navigate available insurance products. Each of these roles is vital to the overall functioning of the insurance industry but serves a distinct purpose separate from that of an adjuster.