Who is responsible for handling the adjustment of claims?

The responsibility for handling the adjustment of claims lies with the insurance adjuster. Insurance adjusters are trained professionals who evaluate and determine the extent of the insurance company's liability for a claim. Their role involves investigating the details of a claim, which includes reviewing the evidence, talking to the involved parties, and assessing damage to property. This allows them to make informed decisions regarding the amount that should be paid to the policyholder.

The policymakers of the insurance company focus on setting the overall guidelines and strategies for the company, rather than being directly involved in the claims process. Agents typically sell insurance policies and may facilitate communication between the policyholder and the insurance company, but they do not handle specific claims adjustments. The legal team's role is primarily related to larger disputes or litigation matters that may arise but not the direct handling of each claim adjustment. Thus, the insurance adjuster plays a crucial and specialized role in this process, making it clear why they are the correct answer.