If an insurer is not willing to meet the claimant's request, what should the adjuster do?

When an insurer is not willing to meet the claimant's request, negotiating a settlement is the most appropriate action for an adjuster to take. This approach allows for open communication between the adjuster and the claimant, aiming to find a mutually acceptable resolution. Negotiation is a core aspect of an adjuster's role, as their responsibility is to represent the insurer while also working towards a fair outcome for the claimant.

Engaging in negotiation can help clarify misunderstandings, explore additional information regarding the claim, or potentially identify alternative solutions that may satisfy both parties. It is a constructive way to handle disputes and may facilitate a resolution that could prevent escalation to legal action or dissatisfaction from the claimant's side.

The other responses suggest actions that either compromise the adjuster's integrity, fail to advocate effectively for their client, or outright reject the claim without seeking resolution, which does not align with the best practices in claims handling and customer service in the insurance industry. By prioritizing negotiation, the adjuster ensures that all options are explored before taking more drastic steps.