What is the primary role of a loss adjuster in the claims process?

The primary role of a loss adjuster in the claims process involves investigating the circumstances surrounding a claim. This includes assessing the validity of the claim by gathering evidence, interviewing witnesses, examining damages, and determining the cause or extent of loss or damage. The loss adjuster acts as an impartial party who evaluates the details of the incident to ensure that the claim is handled fairly and accurately according to the terms of the insurance policy.

While other roles such as assisting policyholders in understanding their coverage or negotiating settlements are important functions within the claims process, the core duty of a loss adjuster is centered around investigation. This investigative role ensures that all pertinent facts are considered, which ultimately supports both the insurance company and the policyholder in achieving a fair resolution. Legal advice, while relevant in some claims disputes, falls outside the scope of a loss adjuster's responsibilities, as they typically do not provide legal counsel.