Who does a licensed adjuster mainly represent during a claim process?

In the claims process, a licensed adjuster primarily represents the insured, which means that their role is to advocate for the policyholder's interests when a claim is made. The adjuster's main responsibilities include investigating the claim, assessing damages, and determining the appropriate compensation that the insured is entitled to based on the policy terms.

This representation is crucial because it ensures that the insured's needs and rights are addressed and that they receive a fair evaluation of their claim. The adjuster works to gather evidence, interview witnesses, and analyze the details related to the loss to support the insured's claim.

While the insurance carrier does have its own interests, the adjuster's duty is to handle claims impartially and ethically, ensuring that the insured has a competent advocate in the process. This role aligns with the broader principles of insurance, where protecting the policyholder's rights is fundamental.

In contrast, the other choices represent different roles in the claims process. The insurance broker acts as an intermediary between the insurer and the insured but does not represent the insured in terms of claim adjustment. The insurance carrier is the organization providing the coverage and is focused on managing risk and losses from their perspective. The State of Texas, meanwhile, plays a regulatory role but does not represent individuals in