What is the role of the 'insurance adjuster'?

The role of the insurance adjuster is primarily centered on investigating and evaluating insurance claims to determine their validity. This involves reviewing the details of the claim filed by the policyholder, gathering relevant information, interviewing involved parties, and assessing damages or losses. The adjuster must assess whether the claim aligns with the terms of the insurance policy and if the events claimed occurred as reported. This ensures that only legitimate claims are paid out, which is crucial for maintaining the financial integrity of the insurance company.

The responsibilities of an adjuster also include negotiating settlements and advising policyholders on the claims process. While they play a key role in ensuring fair treatment for both the insurer and the insured, they do not sell policies, set premiums, or directly manage customer service inquiries, which are activities typically handled by other professionals in the insurance field.