What is an insurance adjuster’s duty?

An insurance adjuster’s duty is to investigate and evaluate insurance claims in order to determine the amount of money the insurer should pay the insured. An adjuster is responsible for collecting information necessary to process a claim, including photographs, witness statements, and other pertinent data. The adjuster must use this information to ascertain the extent of the damages and the approximate values of any losses involved. Based on the information gathered, the adjuster will establish the amount of money the insurer must pay to restore the insured to pre-loss condition. The adjuster can also be held liable for any errors or omissions found in their report. For example, if an adjuster fails to adequately investigate the cause of the loss, or fails to calculate the actual amount of the damages accurately, then they can be held responsible for any financial losses the insured may suffer. It is the adjuster’s job to accurately investigate the claim, assess the damage, and make a fair and reasonable determination of the amount the insurer should pay out on the claim. They must also be familiar with the state laws that govern the insurance policies in North Carolina to properly assess the claim and keep up with any changes in the law.

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What is an insurance adjuster’s duty?

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