What is the role of insurance adjusters during the claim process?

Insurance adjusters play a crucial role in the claims process by evaluating and determining the claim amount. Their primary responsibilities include investigating the circumstances of a claim, assessing the extent of damages or losses, and estimating the appropriate compensation based on the insured event and policy terms. This involves gathering evidence, interviewing relevant parties, reviewing police reports if applicable, and applying knowledge of insurance policies and industry standards to arrive at a fair settlement offer.

While insurance adjusters may deny fraudulent claims as part of their responsibilities, their main function is not to detect fraud but rather to evaluate the legitimacy and value of claims. Additionally, they do not provide legal representation; this responsibility typically falls to attorneys. Approving repair estimates is often a part of the claims process, but it is usually based on the adjuster's evaluation rather than a direct approval function. Therefore, the core of their role is centered around assessing and determining how much the insurer should pay for a legitimate claim.