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What must a claims adjuster document during their investigation?

Only the claim amount

All relevant findings, communications, and any evidence collected

In the context of claims adjusting, it is essential for a claims adjuster to document all relevant findings, communications, and any evidence collected during their investigation. This comprehensive documentation serves several critical purposes.

First, thorough records help establish the facts of the claim, ensuring that all aspects of the incident are clearly understood and properly assessed. This includes the nature of the damage, any witness statements, expert evaluations, and photographic evidence. Accurately documenting these elements is crucial for evaluating coverage and determining liability.

Second, maintaining a detailed record of communications—whether with the insured, witnesses, or other involved parties—ensures transparency and provides a clear trail if questions or disputes arise later in the claims process. This is important not only for the current claim but can also be vital in case of any future disputes or inquiries.

Lastly, by capturing all evidence collected, the claims adjuster can substantiate their findings when making recommendations for payment or denial of the claim, while also supporting any decisions made in a legal context, should the situation escalate to litigation.

In contrast, focusing solely on the claim amount does not provide the necessary context or justification for that amount, and limiting documentation to personal details or previous claims may overlook critical elements specific to the current incident. Comprehensive documentation

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The personal details of the insured

The history of previous claims made by the insured

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