What must adjusters evaluate when considering a claim for water damage?

When evaluating a claim for water damage, it is crucial for adjusters to determine the cause of the damage. Understanding the cause helps in assessing whether the loss is covered under the terms of the insurance policy. For instance, damage caused by a sudden and accidental event, such as a burst pipe, may be covered, while damage resulting from long-term issues like poor maintenance or gradual leaks may not be eligible for coverage. This evaluation directly impacts the determination of liability and the insurance company's obligation to pay the claim.

While factors like weather patterns, the age of the building, and the homeowner's past claims may provide context or additional information, they are not the primary focus when deciding on coverage for water damage. The specific cause of the damage is essential because it dictates whether the situation falls into policy coverage, ensuring that adjusters make informed decisions based on the policy’s requirements and exclusions.