What is the primary role of a claims adjuster?

The primary role of a claims adjuster is to investigate claims and determine an insurer's liability. This involves a thorough review of the circumstances surrounding the claim, gathering evidence, interviewing relevant parties, and assessing damages. The adjuster analyzes the policy in relation to the facts of the claim to make informed decisions about whether the claim should be paid, and if so, how much.

While the creation of insurance policies, providing legal advice, and marketing insurance products are important functions within the insurance industry, they fall under different roles. The duties of a claims adjuster are specifically focused on assessing claims after an incident occurs, making it a critical function in the claims processing workflow. Understanding this role is essential in the casualty practice as it directly impacts the insurer's financial exposure and the insured's experience following a loss.