What is a characteristic of a staff adjuster?

A staff adjuster is typically an employee who works directly for an insurance company. This relationship means that they are responsible for evaluating and processing claims on behalf of their employer, and their primary duty is to serve the interests of the insurance company. As part of their role, they investigate claims, interact with policyholders, assess damages, and make decisions based on the insurance policy's terms and conditions.

Being directly employed by an insurance company sets staff adjusters apart from independent adjusters, who are often contracted to handle claims and may work for multiple insurers. Staff adjusters are generally expected to adhere to the company's procedures and policies closely, and their work aims to ensure that claims are resolved efficiently and in accordance with company standards.

The other options present characteristics that do not apply to staff adjusters. For instance, representing policyholders in claims is typically the role of an independent adjuster or an attorney. Handling solely denied claims is not a typical function of a staff adjuster, as they deal with both accepted and denied claims. Lastly, being defined as independent contractors does not align with the employment status of staff adjusters, as they are employees of an insurance company rather than working independently.