Texas Adjuster Practice Test

Who is an employee of the insurance company's claim department known as?

1. Field Adjuster

2. Claims Manager

3. Staff Adjuster

4. Insurance Agent

The correct answer is: Staff Adjuster

The correct designation for an employee of the insurance company's claim department is "Staff Adjuster." This position typically involves handling claims internally, where the staff adjuster is responsible for assessing damage, evaluating the validity of claims, and determining the appropriate compensation according to the policy terms. Staff adjusters often work closely with clients to gather information and process claims, ensuring thorough communication and fair assessment. In contrast, field adjusters often operate outside of the office and travel to the location of each claim to conduct inspections. A claims manager oversees the claims department and includes a broader range of responsibilities, such as managerial tasks and ensuring that policies are followed. Lastly, an insurance agent primarily focuses on selling insurance policies rather than managing claims. Understanding these roles is critical for recognizing the different functions within an insurance company’s operations.