Idaho Property and Casualty Practice Exam 2026 - Free Practice Questions and Study Guide

The primary role of an insurance adjuster is to investigate claims, evaluate damages, and determine the amount to be paid for a claim. This involves a thorough assessment of the circumstances surrounding the loss, including gathering evidence, interviewing witnesses, and reviewing relevant documentation. The adjuster must establish the validity of the claim and ensure that it adheres to the terms and conditions of the insurance policy. By accurately determining the extent of the loss and the appropriate compensation, the adjuster plays a crucial role in the claims process, acting as a liaison between the insurance company and the policyholder.

In contrast, selling insurance policies and gathering new clients is a function typically associated with insurance agents or brokers, not adjusters. Providing legal advice on insurance matters is outside the scope of an adjuster's responsibilities, as that would require specialized legal expertise. Additionally, negotiating premiums with clients is not a task for adjusters, as premium rates are generally determined by underwriting guidelines and not adjusted during the claims process.