Which of the following is not a duty of the claims adjuster?

• A. Investigating
• B. Evaluating
• C. Negotiating
• D. Counseling

Answer: (D)

Understanding the duties of a claims adjuster is key here. The adjuster’s role centers on facts and coverage: investigating to uncover what happened and what the loss is, evaluating to determine the amount and type of loss under the policy terms, and negotiating a fair settlement between the insured and the insurer. These steps rely on gathering evidence, applying policy language, and communicating findings to move the claim toward resolution.

Counseling, by contrast, involves providing emotional support or giving legal advice and personal decision guidance. That falls outside the adjuster’s licensed scope and responsibilities. While an adjuster can explain policy provisions, outline the claims process, and share the next steps, they do not act as a counselor or offer legal counsel. If legal questions arise, directing the insured to an attorney is appropriate.

So, counseling is not a duty of the claims adjuster.