Monthly Archives: December 2015

Insurance 101 – Chapter 7 – Volume 17 – Write the Captioned Report – 2

Write the Captioned Report – 2 The captioned report should be written immediately after the adjuster’s first meeting with the insured on every file, no matter how small. The length and detail of the report should only be limited by … Continue reading

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Insurance 101 – Chapter 7 – Volume 16 – Write the Captioned Report

Write the Captioned Report Insurers are large organizations with varying levels of authority. The  adjuster is the representative at the loss scene. He or she must report, in writing, to superiors with the authority to pay the indemnity required. Writing … Continue reading

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Insurance 101 – Chapter 7 – Volume 15 – Other Considerations

Other Considerations The adjuster must confirm that the co-insurance, average, or reporting  provisions have not been violated. He or she obtains authority to agree with the insured as to the amount of the loss and obtains from the insured a … Continue reading

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Insurance 101 – Chapter 7 – Volume 14 – Contact Authorities

Contact Authorities Contact must be made with the official investigating officers, either police or fire arson investigators, in person. Personal contact is necessary to gain more than cursory information from a report. The prudent adjuster cultivates a relationship with official … Continue reading

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Insurance 101 – Chapter 7 – Volume 13 – Photograph the Scene

Photograph the Scene To substantiate the agreed scope of the adjuster must photograph the scene—both the damaged and undamaged portions of the property—that is the subject of the loss. The adjuster must take a complete photographic and written inventory of … Continue reading

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Insurance 101 – Chapter 7 – Volume 12 – Establish the Amount of the Loss and Claim – 2

Establish the Amount of the Loss and Claim – 2 The adjuster must walk through the entire scene of the loss with the insured and obtain an agreed scope of loss. He or she must advise the insured that the … Continue reading

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Insurance 101 – Chapter 7 – Volume 11 – Establish the Amount of the Loss and Claim

Establish the Amount of the Loss and Claim The Scope of Loss To aid the insured in his or her obligation to prove the loss, the adjuster must, on the first visit, establish with the insured the exact scope of … Continue reading

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