What is an independent adjuster's main role?

Prepare for the Washington Property and Casualty Test. Study with flashcards and multiple choice questions, each question has hints and explanations. Get ready for your exam!

The primary role of an independent adjuster is to assess claims on behalf of the insurer. This professional is typically hired by insurance companies to evaluate the details of a claim and determine its validity and the extent of the insurance company's liability. Independent adjusters bring an unbiased perspective to the claims process, as they operate independently rather than being directly employed by the insurer.

They are responsible for investigating the circumstances surrounding a claim, gathering evidence, interviewing witnesses, and reviewing relevant documentation to make an informed recommendation on the claim. Their expertise helps the insurance company ensure that claims are handled fairly and consistently, and it provides a level of impartiality that can be beneficial in complex cases.

In contrast, other options such as representing the insured or selling insurance policies directly are not roles typically associated with independent adjusters. Additionally, providing legal advice is outside their scope of practice, as legal counsel is provided by licensed attorneys rather than insurance adjusters. Hence, the focus on assessing claims for the insurer is the defining function of independent adjusters in the property and casualty insurance industry.

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