Which types of insurance claims are typically handled by adjusters?

Adjusters primarily handle property, auto, liability, and workers' compensation claims because these types of insurance often require detailed assessments of damages, liability determinations, and the evaluation of the validity of claims.

Property claims involve the reimbursement for damage to personal or commercial property, such as homes or businesses, requiring adjusters to inspect damage and determine coverage under the policy. Auto claims pertain to damages or losses related to vehicles, necessitating an assessment of incident details and policy implications. Liability claims relate to an insurer’s responsibility for losses caused to another party, which usually involves investigating circumstances and evaluating liability. Workers’ compensation claims address employee injuries sustained in the workplace, requiring adjusters to review medical reports and incident details to establish coverage.

The other options have some claims that may involve adjusters but do not encompass the full range of typical claims adjusters manage. For instance, health and life insurance claims are generally handled by other specific departments or specialists within insurance companies, focusing less on physical damage and more on medical evaluations and policy benefits. Similarly, exclusive claims for property damage overlook the broader spectrum of claims, including auto and liability that are essential to adjusters' roles.