What must a field adjuster do when assessing property damage?

A field adjuster plays a crucial role in the assessment of property damage, and the key responsibility in this process is to thoroughly examine the extent of the damage and verify the cause of loss. This involves conducting a detailed inspection of the property to document all visible damages, as well as understanding the circumstances that led to the claim. By verifying the cause of loss, the adjuster ensures that the insurance policy is applied correctly and that claims are evaluated in accordance with the policy terms.

This comprehensive approach helps in forming an accurate estimate for repair costs and assists both the insurer and the policyholder in understanding the validity of the claim. Effective communication with the property owner may occur, but it is not the sole focus; instead, it is essential for the adjuster to rely on first-hand inspection findings to guide their assessment and recommendations.