What is the primary role of a claims adjuster?

The primary role of a claims adjuster is to investigate insurance claims and determine the payment amount that the insurance company should provide to the policyholder. This involves gathering information about the claim, which may include interviewing the claimant, evaluating damages, and reviewing police reports or other relevant documents. The claims adjuster assesses the validity and scope of the claim to ensure that the payout is justified based on the policy terms and the circumstances of the loss or damage.

This role is vital for the claims process, as it helps maintain the integrity of the insurance system by ensuring that claims are handled fairly and accurately. A well-conducted investigation by the claims adjuster helps the insurer manage risk and maintain customer trust. Other options, while they may involve aspects of the insurance industry, do not encapsulate the core function of a claims adjuster. For instance, evaluating insurance fraud cases is just one part of the claims adjuster’s broader responsibilities and does not define their primary role. Selling insurance policies and handling customer service are responsibilities that pertain more to agents or customer service representatives rather than claims adjusters.