What is one of the primary responsibilities of an insurance adjuster?

The primary responsibility of an insurance adjuster involves assessing claims to determine whether the insurance coverage applies at the time of loss. This process includes investigating the circumstances surrounding the claim, evaluating damages, and ensuring that the details align with the policy's terms. By verifying coverage, the adjuster plays a crucial role in determining if the claim is valid and how much the insurer will pay out, which directly affects the insured party and the insurance company’s obligations.

In contrast, setting insurance premiums falls under the purview of actuaries and underwriters who analyze risk to establish rates, while managing the finances of an insurance agency typically involves accountants or financial managers handling budgets and resources. Creating marketing strategies is aligned with the roles of marketing professionals who promote the insurance products rather than assess claims. Thus, the adjuster's main focus is centered on the claims process rather than these other operational or strategic functions.