In the investigation of a theft claim, what might an adjuster choose NOT to do?

In the context of investigating a theft claim, an adjuster is tasked with evaluating the claim based on the information provided and the policies in place. The primary role of the adjuster is to assess the validity of the claim and determine the amount that may be owed to the claimant based on the coverage provided and the evidence gathered.

Choosing not to look for ways to lower the settlement for the claimant aligns with the ethical responsibilities of an adjuster. It’s essential for the adjuster to maintain an objective stance throughout the investigation, ensuring that they are fair and impartial in their evaluation. The focus should be on collecting evidence, such as inspecting damages, taking witness statements, and reviewing police reports, to fully understand the circumstances surrounding the theft.

When an adjuster seeks to lower the settlement for the claimant deliberately, it can lead to conflicts of interest and undermine the trust and integrity of the claims process. The adjuster must follow industry standards and best practices, which prioritize fair treatment and support for claimants. This is why assessing the validity of claims, rather than searching for ways to diminish applicable settlement amounts, is fundamental to the adjuster's role.