An adjuster, in the context of insurance, is a professional who evaluates insurance claims to determine the insurance company’s liability. This individual is responsible for inspecting the damage, interpreting the insurance policy to understand coverage, and negotiating settlements with policyholders or claimants. Adjusters can be employees of an insurance company (staff adjusters), independent contractors who provide services to insurance companies (independent adjusters), or representatives of the insured (public adjusters). Their primary role is to investigate the facts of a claim, which may involve interviewing the claimant and witnesses, consulting with experts, and reviewing documents and records. Once the investigation is complete, the adjuster assesses the extent of the company’s financial responsibility to the insured and facilitates the appropriate payment. Adjusters must maintain a balance between customer satisfaction and cost-effective claim resolution, all while adhering to regulatory and company guidelines.
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