What describes the role of a licensed adjuster in relation to the RIBO Act?

The role of a licensed adjuster, particularly in the context of the RIBO Act (Registered Insurance Brokers of Ontario Act), is best described as a specialist in claims handling. This is because licensed adjusters are trained and authorized to investigate and manage insurance claims on behalf of insurers. They assess the damage, determine the extent of the insurer’s liability, and ensure that claims are processed fairly and efficiently according to the stipulations laid out by the RIBO Act.

In this capacity, an adjuster not only evaluates the claims but also communicates with claimants and other involved parties to gather necessary information and make informed decisions regarding settlements. This specialized focus on claims handling is crucial for maintaining the integrity of the insurance process and ensuring compliance with legal standards.

In contrast, the other options do not accurately characterize the primary responsibilities and qualifications of a licensed adjuster. A general insurance consultant may provide advice but is not specifically involved in the claims handling process. A person authorized to provide legal opinions would require legal qualifications not held by adjusters. Lastly, while an adjuster may work closely with insurers and occasionally with insurance brokers, they are not employed by brokers as their primary role centers around claims assessment rather than brokerage activities.