What is the main objective of an insurance adjuster's investigation?

The main objective of an insurance adjuster's investigation is to establish the facts and determine coverage under the policy. This process involves gathering all necessary information related to the claim, which includes evaluating the circumstances surrounding the incident, reviewing the insurance policy for applicable coverages, and understanding the extent of damages or injuries involved.

By thoroughly investigating the claim, the adjuster ensures that they have a complete and accurate understanding of the situation. This is essential for making informed decisions regarding the validity of the claim, the amount that may be covered by the policy, and how to proceed with the claims process. Establishing the facts helps in determining whether the claim aligns with the terms of the insurance policy, ensuring that the insurer fulfills its obligations correctly.

While negotiating settlements, gathering witness testimonies, or adjusting claim amounts may be parts of the process, they are not the primary focus. The proper establishment of facts and coverage sets the foundation for all subsequent actions in the claims process. Hence, the ability to accurately assess the situation is crucial for the role of an insurance adjuster.