Arizona Adjuster Practice Exam

What type of adjuster primarily assists in assessing damage and claim validity?

1. Claims adjuster

2. Liability adjuster

3. Property adjuster

4. Medical adjuster

The correct answer is: Property adjuster

A property adjuster primarily assists in assessing damage and the validity of claims related to physical property. This type of adjuster focuses on evaluating the condition of various items, structures, and belongings in the aftermath of incidents such as fires, floods, and other forms of damage. The property adjuster's role involves inspecting the damaged property, determining the extent of the loss, and collecting evidence to support the claim. They also work closely with policyholders to understand the situation and establish the details needed to process the claim accurately. In contrast, a claims adjuster might handle a broader range of claims without specializing in physical property alone. A liability adjuster typically focuses on assessing claims related to potential legal liability, while a medical adjuster specifically deals with claims involving medical expenses and healthcare services. Each type of adjuster has a unique focus, but the property adjuster's expertise in physical damage assessment is essential for determining the validity of claims related to property loss.