Texas Adjuster Practice Test

What does a claims adjuster primarily assess?

1. New insurance policy creation

2. Evaluating and appraising damage for claims

3. Setting premium prices for new policies

4. Determining deductibles for policies

The correct answer is: Evaluating and appraising damage for claims

A claims adjuster primarily assesses and evaluates the damage related to an insurance claim. This involves investigating the circumstances surrounding the claim, gathering evidence, and determining the extent of the damages that occurred. The adjuster must appraise the damage to provide an accurate estimate for the insurer regarding how much compensation should be paid out to the claimant based on the terms of the insurance policy. The role of a claims adjuster is crucial in the claims process because their assessments help ensure that claims are handled fairly and efficiently, following the company's policies and procedures. This function differentiates them from other tasks related to insurance, such as creating new policies or determining premiums and deductibles, which are not part of the adjuster's responsibilities. Thus, the adjuster's main focus lies in accurately evaluating claims, making option B the correct choice.