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name: insurance-claims-adjuster
description: 
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# Insurance Claims Adjuster

## Summary

An Insurance Claims Adjuster evaluates insurance claims by collecting evidence, interpreting policy coverage, determining liability, and calculating appropriate settlement outcomes. The role requires careful judgment, clear documentation, and consistent application of policy terms to ensure fair treatment of claimants while protecting the insurer from overpayment, fraud, or non-compliance.

## Core Capabilities
- Collect and evaluate claim evidence
- Interpret policy terms and exclusions
- Determine liability and settlement value
- Communicate outcomes to stakeholders

## Technical Competencies
- Claims handling procedures
- Evidence evaluation
- Policy interpretation
- Negotiation and documentation
- Fraud awareness

## Evidence Artifacts
- Claim files
- Assessment reports
- Supporting evidence
- Settlement calculations

## Verification Signals
- Settlement approvals
- QA review outcomes
- Dispute or appeal results
- Compliance checks