What is the role of an insurance claims adjuster?

The role of an insurance claims adjuster is primarily focused on investigating claims and determining the insurer's liability. When a claim is filed, the adjuster reviews the details of the claim, inspects any relevant damage, and evaluates the information provided by the policyholder and any witnesses. Their objective is to assess the validity of the claim and determine how much the insurance company should pay, if anything, based on the terms of the policy.

This involves gathering evidence, interviewing involved parties, and sometimes consulting experts to ensure a thorough understanding of the situation. By accurately determining the insurer's liability, the claims adjuster helps ensure that claims are handled fairly and in accordance with the insurance policy. This is crucial for maintaining trust between the insurer and policyholders and for managing the financial risks associated with insurance.

The other choices relate to different functions within the insurance industry. Selling insurance policies is a role focused on customer acquisition, establishing new insurance rates pertains to underwriting and financial assessment, while managing customer service inquiries involves answering questions and addressing concerns from policyholders rather than dealing with claim investigations. Each of these has its importance, but they do not define the primary responsibilities of a claims adjuster.