Insurance 101 – Chapter 9 – Volume 72 – The Claim File

The Claim File

The adjuster must keep a complete, clean, and detailed investigation file that can be readily referred to in analyzing and assessing the claim. The adjuster must maintain a factual file. Derogatory comments or conclusions regarding the insured can be damaging if disclosed at trial. Comments concerning subjective opinions of the insured can be misinterpreted and have no value in establishing coverage or amount of loss.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

Legal Disclaimer

The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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