What does an adjuster do during an inspection?

The role of an adjuster during an inspection primarily involves assessing damages and confirming coverage. This critical step in the claims process allows the adjuster to evaluate the physical state of the property, identifying all the damages incurred and determining whether the policyholder's insurance policy covers those damages. By understanding both the extent of the damage and the terms of the coverage, the adjuster can make informed decisions about the claim and how to proceed.

Assessing damages is not just about noting visible issues; it can also involve detailed inspections that uncover hidden damages, analyzing photographs, speaking with the policyholder, and sometimes even consulting with experts or specialists. Confirming coverage involves reviewing the policy terms to ensure that the damages fall within the parameters set out in the insurance policy, which helps prevent misunderstandings or disputes later in the claims process. This assessment creates a foundation for subsequent actions, such as writing reports, negotiating settlements, or reviewing previous claims, all of which follow the initial inspection.