Which of the following best describes an ‘adjuster’?

An adjuster is best described as a professional evaluating claims. This role involves assessing the details of a claim submitted by a policyholder, including examining the situation, determining the extent of damage or loss, and verifying policy coverage. Adjusters play a crucial role in the claims process by deciding how much the insurance company should pay for a claim based on their evaluation. This requires knowledge of insurance policies, legal regulations, and often involves negotiating settlements with policyholders or other parties involved.

The other roles mentioned in the choices do not accurately reflect the responsibilities of an adjuster. For instance, while a party that authorizes claims could suggest someone involved in the claims process, this does not encompass the specific duties of investigating and evaluating claims. Selling insurance pertains to agents or brokers who focus on policy distribution rather than claims assessment. An underwriter is responsible for assessing risk and determining policy terms and pricing prior to the issuance of an insurance policy, which is distinct from the claim handling process that adjusters are involved in.