Which of the following is NOT a responsibility of an insurance adjuster?

An insurance adjuster's primary responsibilities revolve around the evaluation and management of claims after they have been submitted. This includes communicating with the insured parties to clarify details about the claim, gathering evidence to substantiate the claim, and reviewing the specifics of the coverage to ensure that claims are processed according to the terms of the policy.

Making underwriting decisions falls outside the typical scope of an adjuster's role. Underwriting is generally the responsibility of underwriters, who assess risk and determine the terms and conditions of insurance policies before they are issued. Adjusters, on the other hand, focus on investigating claims to determine their validity and the extent of the insurance company's liability. By understanding the distinct roles within the insurance field, one can see how the responsibilities of an adjuster differ significantly from those of an underwriter.