What is an insurance adjuster’s duty?

An insurance adjuster’s duty is to investigate and evaluate insurance claims. An adjuster will typically inspect damage to property, review reports and other documents, record the losses reported, and evaluate the damages or losses and consider the amount of coverage that is applicable. Adjusters also provide guidance to policyholders on how to file a claim and interpret the policy’s provisions. They also must evaluate the validity of a claim, which may involve interviewing claimants and witnesses, verifying policyholder information, consulting with legal and medical experts, and calculating the costs of repair or replacement. Adjusters are also responsible for negotiating settlements with claimants, and for making sure that payments are made in a timely manner. Adjusters must also follow state laws and regulations when handling claims, which may vary from state to state. In Mississippi, licensed adjusters are required to complete a designated number of hours of continuing education each year to be able to keep their license in good standing.

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