Which step occurs LAST in the processing of a claim?

Negotiating a settlement with the claimant is the final step in the claim processing sequence. This phase typically follows the completion of the investigation of the claim and the assessment of the cost of repairs. By the time negotiation occurs, the adjuster has gathered all essential information—such as policy details, damage assessments, and necessary documentation—enabling them to engage meaningfully with the claimant regarding the settlement amount. Effective negotiation hinges on the adjuster’s understanding of the findings from earlier steps, highlighting how crucial they are for the successful resolution of the claim.

This reasoned flow ensures that the adjuster is fully prepared to address any concerns the claimant might have and to find a mutually acceptable outcome. The other steps, such as determining repair costs and submitting paperwork, are integral but precede the negotiation phase, making it the concluding action in the claim processing process.