What is the primary purpose of an insurance adjuster in Hawaii?

The primary purpose of an insurance adjuster in Hawaii is to assess and investigate claims made by policyholders. This process involves evaluating the details surrounding a claim, including reviewing documents, interviewing claimants and witnesses, inspecting property damage, and determining the legitimacy and extent of the claim.

An adjuster's role is crucial in ensuring that claims are handled fairly and efficiently, which helps maintain trust between the insurer and policyholders. By thoroughly assessing the claims, adjusters help ensure that the insurance company pays out only what is appropriate while also supporting policyholders in their time of need.

Other options, such as selling insurance policies or calculating premium rates, are not typically the responsibility of adjusters. Their focus is specifically on the claims process rather than policy sales or premium calculations. Additionally, providing legal advice falls outside an adjuster's role; while they may have knowledge of insurance law and regulations, they are not qualified to offer legal counsel.