What is one of the main responsibilities of a claims adjuster?

One of the main responsibilities of a claims adjuster is to investigate damages and determine settlement amounts. This role is essential in the insurance claims process, as it involves evaluating the validity of claims made by policyholders. The adjuster reviews the evidence related to the claim, which may include photographs, repair estimates, witness statements, and any relevant documentation. This thorough investigation allows the adjuster to assess the extent of the damages and determine the appropriate compensation the insurance company should pay to resolve the claim. Their proficiency in understanding policy coverage, local laws, and industry standards is crucial to ensure fair settlements based on the terms of the insurance policy.

In contrast, selling insurance policies is primarily the role of insurance agents rather than adjusters, while marketing insurance products also falls outside the typical duties of a claims adjuster. Providing legal advice to policyholders is not within the purview of claims adjusters, as this typically requires a legal professional or attorney. Thus, the adjuster's focus on investigating and determining settlement amounts is a critical component of their job in the claims process.