What is a "claims adjuster" responsible for?

A claims adjuster plays a crucial role in the insurance industry primarily focused on investigating and evaluating claims made by policyholders. Their main responsibility is to determine the insurer's liability, which involves assessing the circumstances surrounding a claim, reviewing relevant documentation, and possibly inspecting damages or loss. By doing so, claims adjusters help to ensure that claims are handled fairly, accurately, and within the terms stipulated by the insurance policy. This role is essential in managing the claims process efficiently, so that rightful claimants receive appropriate compensation while preventing fraudulent claims.

While underwriting new insurance policies, providing customer service, and marketing insurance products are vital functions in the insurance sector, they fall outside the specific duties of a claims adjuster. Underwriting involves evaluating the risk of insuring a person or property, customer service focuses on assisting policyholders with inquiries and issues, and marketing is about promoting insurance products to prospective clients. Therefore, the claims adjuster's primary function centers exclusively on claims assessment and management.