What is the function of the insurance adjuster?

The function of the insurance adjuster is primarily to assess claims and determine coverage amounts. Adjusters are responsible for investigating insurance claims to ensure they are legitimate, review the details of the claim, and evaluate the damages. Their role involves gathering information, speaking with claimants and witnesses, reviewing police reports or medical records, and sometimes inspecting property damage. After this thorough assessment, the adjuster determines how much the insurance company should pay in claims for the losses incurred.

This function is crucial as it ensures that the claim process is fair and that policyholders receive the benefits they are entitled to under their insurance policy. By accurately determining coverage amounts, adjusters help maintain the financial integrity of the insurance system and ensure that valid claims are settled appropriately.