What are the responsibilities of an insurance adjuster?

An insurance adjuster is a professional with a responsibility to investigate the details of insurance claims. In North Carolina, adjusters must be licensed and adhere to the North Carolina Insurance Code. The primary responsibility of the insurance adjuster is to accurately evaluate and assess damages to property or injury to persons that are covered under an insurance policy. The adjuster must consider all factors that could affect the claim, such as legal requirements, policy language, and provisions. Their task is to determine whether the claim is eligible for payment and to determine the appropriate amount of payment. The adjuster must also document the facts of a case in detail and present those facts in a format suitable for the insurance company to review. This includes collecting and analyzing evidence, taking statements of witnesses or claimants, and obtaining necessary medical reports. Finally, the adjuster is also responsible for evaluating liability, reaching a fair settlement, and providing customer service. They must ensure that customers are both kept informed and treated fairly and ethically throughout the claims process. In all, the responsibility of an insurance adjuster is to objectively assess an insurance claim and ensure that the policyholder’s rights are protected throughout the process. Adjusters strive to ensure that all parties involved in the claim are made whole in a fair and equitable fashion.

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