What is the primary role of an insurance claims adjuster?

A claims adjuster's primary role is to handle insurance claims: investigating the facts of a loss, determining whether and how the policy provides coverage, assessing the extent and value of the damage or injury, and negotiating and settling the claim for a fair amount under the policy terms. Adjusters gather evidence, interview parties and witnesses, review documentation, and apply the policy language to the facts. This differs from a producer (who sells policies) and an underwriter (who evaluates risk for new applications). Understanding the adjuster's core function — fairly investigating and settling claims — is foundational content for the adjuster exam.