Which of the following is NOT a typical function of insurance adjusters?

Insurance adjusters play a significant role in the claims process by performing various functions that contribute to assessing and resolving claims. One of their primary responsibilities is to assess liability for claims, which involves determining who is responsible for the loss or damage reported. They also investigate the validity of claims, ensuring that the claims made by policyholders are legitimate and supported by adequate evidence. Furthermore, evaluating the extent of damages is a crucial task for adjusters as they need to ascertain how much damage occurred and the necessary repairs or compensation required.

However, calculating total premiums for consumers is not a function carried out by insurance adjusters. This task typically falls under the purview of underwriters, who assess risk factors and set premium rates based on a variety of criteria, including the type of insurance and the specific risk associated with the policyholder. Adjusters focus primarily on evaluating and processing claims rather than determining the costs of insurance coverage. This distinction highlights the unique roles within the insurance industry and clarifies why calculating premiums is not included among the typical responsibilities of an adjuster.