What should an adjuster take into account when evaluating a claim?

When evaluating a claim, it is important for an adjuster to take into account the policyholder's past claim history. This is relevant because a policyholder’s history may provide insights into their reliability, the types of claims they have made in the past, and their overall relationship with the insurance provider. A consistent history of claims, for instance, can indicate patterns that might affect how a current claim is assessed. Understanding these past claims can help the adjuster determine the legitimacy of the current claim and provide a more informed evaluation based on the overall context of the policyholder’s interactions with the insurer.

Considering the adjuster's personal biases could lead to skewed assessments and unfair decisions. The name of the insurance company is typically not a relevant factor in the evaluation of an individual claim, as each claim should be judged based on its own merits instead of the business reputation of the insurance company. Lastly, while local market conditions can influence a claim's evaluation, they are not the sole factor that needs to be considered; focusing exclusively on local market conditions could overlook other critical aspects such as the policyholder's history or the nature of the claim itself.