Which of the following best describes the role of a claims adjuster?

The role of a claims adjuster primarily involves investigating claims and determining their validity. This is a critical function within the insurance industry, as adjusters assess damages, interview claimants and witnesses, examine evidence, and review police or other official reports. Their job is to ensure that claims are legitimate and that the insurance company pays only for valid claims according to the terms of the policy. This process includes evaluating the extent of damage or loss and deciding the appropriate settlement amounts based on the findings.

In contrast, negotiating premiums with clients pertains to pricing aspects usually handled by agents or brokers instead of adjusters. Underwriting, which involves assessing risk to determine whether to provide coverage and at what rate, is also a separate function typically conducted by underwriters rather than adjusters. Similarly, selling insurance policies is primarily the responsibility of insurance agents, who engage directly with clients to offer coverage options. Therefore, the correct answer accurately encapsulates the essential duties of a claims adjuster within the broader framework of insurance operations.