What must an adjuster avoid when drafting legally binding documents?

An adjuster must avoid drafting legally binding documents without the insurer's approval because doing so can result in documents that do not align with the insurer's policies or contractual obligations. Approval from the insurer ensures that the document accurately reflects the agreed-upon terms, complies with regulations, and maintains consistency with the company's practices. This is crucial for legal enforceability and to protect both the insurer and the adjuster from potential disputes or liabilities arising from unauthorized agreements.

While emotional phrasing, technical jargon, and informal language are also important considerations in drafting documents, the primary factor is obtaining proper approval to ensure that the document is officially sanctioned and valid. This formal approval process is fundamental in the insurance industry, where clarity and adherence to prescribed protocols are essential for maintaining professionalism and avoiding legal complications.