In which scenario is an adjuster most likely to encounter third-party claims?

An adjuster is most likely to encounter third-party claims in scenarios where an individual seeks compensation from the insurance policy of another party, particularly in cases involving injuries or damages. The situation described in the second option perfectly fits this context. When someone is injured on another person's property, they can file a claim against the property owner’s liability insurance. This type of claim represents a third-party claim because the claimant is not the policyholder but rather a person seeking damages from the policyholder's insurance coverage.

In contrast, when an insured files a claim for theft of personal belongings, this is a first-party claim since it involves the policyholder directly seeking compensation from their own insurance. Conducting a property appraisal does not inherently involve third-party claims, as it is typically related to evaluating the insured property’s value rather than addressing claims. Similarly, a policyholder requesting a policy change does not involve claims at all, making it unrelated to the concept of third-party claims.