Who does the adjuster represent when they are working on a claim?

• A. The company
• B. The insurance agent
• C. The customer
• D. The State of Florida

Answer: (A)

The adjuster represents the insurance company. Their role is to investigate, evaluate, and settle claims on behalf of the insurer, applying the policy terms and company guidelines. They operate under the insurer’s instructions and owe a fiduciary duty to the company, not to the customer or to the state. There are public adjusters who represent the insured, but those are a different category from the typical claim adjuster working for an insurer. The insurance agent is separate in function, and the State of Florida isn’t the party settling the claim. So, in this context, the best answer is that the adjuster represents the company.