What is the role of a claims adjuster?

The role of a claims adjuster is specifically focused on evaluating policy claims to determine the insurer’s liability. This includes investigating the details of a claim, gathering evidence, reviewing policy coverage, and making recommendations regarding the settlement of claims. Claims adjusters are experts in interpreting insurance policies and assessing damages, ensuring that the claims process is fair and aligned with the coverage that the policyholder has.

In this role, the adjuster acts as a critical link between the insurance company and the policyholder, helping to resolve claims in a timely manner while adhering to the terms of the policy. This function is essential for the insurance company's operation, as it directly impacts the company's liability and financial stability.

The other options reflect important functions in the insurance industry but do not accurately describe the specific responsibilities of a claims adjuster. Selling insurance involves helping clients choose policies that meet their needs, underwriting is the process of assessing risk before issuing policies, and customer service encompasses various support roles aimed at assisting policyholders with inquiries and service issues. Each of these functions plays a vital role in the insurance landscape, but claims adjustment is distinctly focused on handled claims and assessing liability.