Investigation of Property Claims
Before an insured can make a claim for indemnity under a policy of first party property insurance the insured must prove that there was damage to property, the risk of loss of which was insured by the policy. The task of the insured is often easy. In the case of a fire the charred building need only be shown to the insurer. Other situations may not be as easy to prove. Is a building overhanging a newly created cliff damaged? Has a church that is permeated with a gasoline odor sustained property damage? Many times an insurer must have the wisdom of Solomon to reach a correct and fair result. The first party property adjuster is charged with the duty of helping the insured establish the existence or nonexistence of property damage.
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