What should an adjuster do if they are uncertain about the policy coverage in a claim?

When an adjuster is uncertain about policy coverage in a claim, consulting with insurance experts or referring to the policy is the most appropriate course of action. This approach ensures that decisions made are based on accurate, reliable information rather than guesswork. Understanding the specific terms, conditions, and exclusions outlined in the insurance policy is crucial for making informed decisions that affect the outcome of a claim.

Collaborating with experts can provide additional insights and clarifications that may not be immediately apparent from the policy documents alone. This helps an adjuster avoid potential errors in judgment that could lead to incorrect assumptions or misinterpretations of coverage, ultimately protecting both the adjuster and the insurer from liability issues.

Taking the time to verify coverage not only upholds the integrity of the claims handling process but also reinforces trust with the insured party, who expects thorough and fair treatment of their claim.