What is the primary purpose of an adjuster's investigation?

The primary purpose of an adjuster's investigation is to gather and analyze evidence related to the claim. This essential function involves examining all relevant facts surrounding the loss or damage reported by the policyholder. By collecting information such as eyewitness accounts, expert evaluations, photographs, and any available documentation, the adjuster is able to build a comprehensive understanding of the situation. This thorough analysis is crucial for determining the validity of the claim and assessing the extent of the insurer’s liability.

While settling claims quickly, negotiating payouts, or providing legal representation may be relevant activities associated with the claims process, they are not the primary focus of an adjuster's investigation. The investigation's goal is foundational—it aims to ensure that decisions regarding the claim are made based on solid evidence and factual analysis, leading to fair and just outcomes for both the claimant and the insurer.