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The main duty of an insurance adjuster is to investigate claims and determine insurer liability. This role involves assessing the validity of claims made by policyholders, gathering evidence, and evaluating the circumstances surrounding the loss or damage. The adjuster examines the reported incident, interviews witnesses, inspects damaged property, and reviews relevant documents. Their findings assist in determining how much the insurer should pay based on the terms of the insurance policy, ensuring that decisions are fair and in compliance with regulations.

The responsibilities of an adjuster are critical to the claims process, as they act as a bridge between the insurer and the insured, helping to ensure that claims are processed fairly and efficiently. The adjuster’s expertise and thoroughness in this investigative role directly influence the resolution of claims and can impact both the insurer's financial stability and the policyholder's satisfaction.