Texas Adjuster Practice Test 2025 – 400 Free Practice Questions to Pass the Exam

The staff adjuster primarily represents the insurance company in claim settlements because they are employees of the insurer. Their primary responsibility is to assess claims on behalf of the insurer, ensuring that claims are handled accurately and fairly while adhering to company policies and regulations. Staff adjusters are directly involved in evaluating claims, negotiating settlements, and making decisions about the payment of claims, all in alignment with the interests of the insurance company they represent.

In contrast, public adjusters work on behalf of the policyholders, advocating for their rights and helping them to maximize their claims. Independent adjusters may work as third-party contractors to handle additional claims for insurance companies, but they do not have the same direct employment relationship as staff adjusters. Specialty adjusters focus on specific types of claims, such as those involving specialized knowledge, but they still function within the broader contexts of the insurance company or independently, rather than primarily representing the insurer.