What should an adjuster include in their final report?

The final report prepared by an adjuster is a critical document that summarizes the investigation and provides a basis for claims decisions. It should include the findings of the investigation, which details the facts and circumstances surrounding the claim. This includes the determination of coverage, which assesses whether the policy will cover the damages or losses claimed by the policyholder. Additionally, the adjuster must recommend a settlement amount, which quantifies the financial compensation deemed appropriate based on the investigation's findings and the policy's terms.

This comprehensive approach ensures that all relevant information is presented cohesively, allowing insurance companies to understand the rationale behind the claim processing and ultimately supporting the claims handling process. Other elements, such as client contact information or past claims history, while useful, do not encompass the essential content required in the final report. Similarly, attaching previous reports can be beneficial for context but does not substitute for a thorough evaluation of the current claim. Personal opinions on policy changes are not relevant to the factual nature of the report and would detract from its objectivity. Thus, focusing on the findings, coverage determination, and settlement recommendations provides a clear, actionable format that aligns with industry standards for claims reporting.