What should an adjuster do if new damage is discovered after an initial assessment?

When an adjuster discovers new damage after an initial assessment, the appropriate course of action is to document the findings and reassess the claim. This approach ensures that all relevant information is considered in the claims process, which is crucial for accurate evaluation and proper compensation.

Proper documentation is key to maintaining the integrity of the claims process. By recording the newly discovered damage, the adjuster helps ensure that the insurer has a comprehensive understanding of the total loss to the property. This can impact claim payouts and is necessary for compliance with insurance regulations and standards.

Reassessing the claim not only allows the adjuster to consider the new damage but also facilitates communication with all involved parties, including the policyholder and the insurance company. It can lead to adjustments in coverage determinations and ultimately foster transparency and trust between the adjuster and the claimant.

Failing to adequately address new damage could result in an incomplete claim assessment, potential disputes, or even legal challenges, undermining the interests of all parties involved. Thus, documenting findings and reassessing the claim is the correct and most responsible action.