An insurance adjuster is responsible for all of the following tasks EXCEPT?

The role of an insurance adjuster encompasses various responsibilities aimed at assessing and resolving claims efficiently and fairly, based on the terms of the insurance policy and applicable laws. Among these responsibilities, the obligation to protect the insurer from the claim is not a primary duty of an adjuster. Instead, the adjuster is tasked with evaluating the validity of the claim, examining whether it falls under the coverage provided by the policy, and conducting thorough investigations into the details surrounding the claim.

The duties of investigating the claim often involve gathering facts, interviewing witnesses, and evaluating damages to determine the extent of the loss. Deciding on the merits of the claim requires using the information gathered to assess whether the claim aligns with the coverage stipulations of the insurance policy. Protecting the insurer from the claim would imply an adversarial role that is not in alignment with the adjuster's responsibilities, which are to act fairly and objectively in evaluating claims to ultimately determine if and how much the insurer is liable to pay. Thus, the primary focus is on accurate assessment rather than safeguarding the insurer at the expense of the claimants. This delineation clarifies why the task of protecting the insurer is not part of the adjuster’s role.