In the context of insurance claims, which person is hired to handle claims investigation and settlement?

• A. Claims Examiner
• B. Adjuster
• C. Independent Adjuster
• D. Appraiser

Answer: (B)

An adjuster is the person responsible for investigating a claim, assessing damages, determining liability and policy coverage, and negotiating a settlement with the claimant. This role can be filled by a staff adjuster or an independent adjuster contracted by the insurer. An independent adjuster performs the same duties on a contract basis, just not as a permanent employee. A claims examiner concentrates on reviewing the claim and supporting documents to decide whether payment is warranted and how much, rather than handling the full investigation and settlement. An appraiser focuses on estimating the value of the loss or damages, not on conducting the claim investigation or negotiating settlements.