Which of the following is not one of the basic claims activities of the adjuster?

• A. Defining claims
• B. Negotiating claims
• C. Evaluating claims
• D. Investigating claims

Answer: (A)

The main tasks an adjuster performs are investigating the claim, evaluating the losses and coverage, and negotiating a settlement. Investigating means gathering facts, collecting evidence, interviewing involved parties, and inspecting the damaged property to understand what happened. Evaluating involves applying the policy terms to determine what is covered and calculating the amount owed for the loss. Negotiating is the process of discussing and agreeing on a settlement with the insured or claimant, sometimes with input from experts.

Defining the claim isn’t a standard adjuster activity. The nature and scope of the claim are typically identified during claim intake and policy interpretation, and the adjuster uses that framework to carry out investigation, evaluation, and negotiation. So defining claims isn’t considered one of the core adjuster duties.