Arizona Adjuster Practice Exam

Which of the following reflects an appropriate action by an adjuster during a claim investigation?

1. Settling claims immediately without investigation

2. Collecting evidence to assess validity of the claim

3. Making assumptions about the cause of loss

4. Relying solely on the insured's statement

The correct answer is: Collecting evidence to assess validity of the claim

Collecting evidence to assess the validity of the claim is an essential action for an adjuster during a claim investigation. This process involves gathering all relevant information, including documentation, photographs, and witness statements, to thoroughly understand the circumstances surrounding the claim. By doing so, the adjuster can ensure they have a complete and accurate picture, allowing for a fair and informed assessment of the situation. This method not only supports the integrity of the claims process but also helps the adjuster to make well-informed decisions based on facts rather than assumptions or incomplete information. It is crucial for adjusters to approach each claim impartially and collect as much evidence as possible to validate the claimant's narrative and to adhere to regulatory and industry standards.