What is the primary function of insurance adjusters?

The primary function of insurance adjusters is to investigate claims and determine the amount payable under the policy. This involves examining the details of a claim, reviewing any relevant documentation, interviewing claimants and witnesses, and assessing any physical evidence related to the claim. Adjusters play a crucial role in the claims process by ensuring that claims are handled fairly and in accordance with the terms of the insurance policy. Their expertise helps in evaluating the validity of claims and deciding how much compensation the insurer will provide.

In contrast, providing legal advice to policyholders is not within the typical responsibilities of an insurance adjuster, as they focus on claim assessments rather than legal counsel. Selling insurance products to clients falls under the purview of insurance agents, who engage with customers to market insurance policies. Meanwhile, managing the daily operations of an insurance company is the responsibility of management personnel within the organization and not necessarily related to the specific tasks assigned to adjusters. This clear delineation of roles helps ensure that each aspect of insurance service delivery is handled by professionals skilled in those areas.