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A claims adjuster performs an on-site investigation primarily to gather firsthand evidence and assess damages. This approach allows the adjuster to evaluate the extent of the loss or damage directly at the scene. By being present, they can observe the physical conditions and obtain critical details that might not be available through reports or claims submitted by the insured. This evidence can include visible damage to property, the surrounding environment, and contextual information that helps in making an accurate appraisal of the claims.

Conducting on-site investigations is essential for validating the claims process and ensuring that the adjuster's assessment is thorough and based on the most reliable information available. For instance, images, measurements, and the condition of items involved in the claim can all be documented, which supports the claims review process and helps to finalize any compensation decisions.

While other aspects such as interviewing witnesses may be part of the investigation process, the primary focus during an on-site investigation is to it gather evidence directly related to the claim at hand. Promoting the insurance company or assessing the insured's lifestyle, although potentially relevant in some contexts, are not primary reasons for conducting an on-site investigation.